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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 | $76,949 | $82,674-6.9% | $125,381-38.6% | $68,486+12.4% |
| Participation rate | 89.6% | 75.1%+14.5pp | 82.4%+7.2pp | 67.9%+21.7pp |
| Annual return | -16.72% | -5.97%-10.7pp | 572.31%-589.0pp | -7.85%-8.9pp |
| Employer contribution / active EE | $2,558 | $3,382-24.4% | $4,815-46.9% | $2,597-1.5% |
| Participant deferral / active EE | $5,010 | $6,111-18.0% | $7,448-32.7% | $4,028+24.4% |
| Admin fee / account holder | $4,884 | $6,277-22.2% | $10,007-51.2% | $5,404-9.6% |