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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 | $93,688 | $87,016+7.7% | $63,244+48.1% | $125,388-25.3% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.0%+29.0pp | 83.2%+16.8pp |
| Annual return | -1.58% | 21.71%-23.3pp | -70.31%+68.7pp | 282.24%-283.8pp |
| Employer contribution / active EE | $855 | $3,601-76.3% | $2,322-63.2% | $4,866-82.4% |
| Participant deferral / active EE | $3,677 | $3,939-6.7% | $2,953+24.5% | $5,352-31.3% |
| Admin fee / account holder | $8,874 | $11,954-25.8% | $5,893+50.6% | $9,541-7.0% |