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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,862 | $82,674-44.5% | $125,381-63.4% | $68,486-33.0% |
| Participation rate | 96.8% | 75.1%+21.7pp | 82.4%+14.4pp | 67.9%+28.9pp |
| Annual return | -13.32% | -5.97%-7.3pp | 572.31%-585.6pp | -7.85%-5.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $9,681 | $6,111+58.4% | $7,448+30.0% | $4,028+140.4% |
| Admin fee / account holder | $388 | $6,277-93.8% | $10,007-96.1% | $5,404-92.8% |