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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 | $65,732 | $72,404-9.2% | $110,243-40.4% | $64,173+2.4% |
| Participation rate | 96.7% | 73.3%+23.3pp | 79.8%+16.8pp | 69.6%+27.1pp |
| Annual return | -6.16% | -6.29%+0.1pp | 314.76%-320.9pp | 7.63%-13.8pp |
| Employer contribution / active EE | $5,000 | $2,282+119.1% | $3,827+30.7% | $2,381+110.0% |
| Participant deferral / active EE | $5,225 | $3,469+50.6% | $4,672+11.8% | $3,470+50.6% |
| Admin fee / account holder | $796 | $5,664-85.9% | $8,548-90.7% | $4,887-83.7% |