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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 | $38,606 | $82,678-53.3% | $125,391-69.2% | $68,490-43.6% |
| Participation rate | 82.7% | 75.1%+7.6pp | 82.4%+0.3pp | 67.9%+14.8pp |
| Annual return | -15.55% | -5.97%-9.6pp | 572.41%-588.0pp | -7.85%-7.7pp |
| Employer contribution / active EE | $2,749 | $3,382-18.7% | $4,816-42.9% | $2,597+5.8% |
| Participant deferral / active EE | $5,801 | $6,111-5.1% | $7,448-22.1% | $4,028+44.0% |
| Admin fee / account holder | $9,302 | $6,277+48.2% | $10,009-7.1% | $5,403+72.2% |