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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 | $170,908 | $82,678+106.7% | $125,391+36.3% | $68,490+149.5% |
| Participation rate | 79.3% | 75.1%+4.2pp | 82.4%-3.1pp | 67.9%+11.4pp |
| Annual return | -14.13% | -5.97%-8.2pp | 572.41%-586.5pp | -7.85%-6.3pp |
| Employer contribution / active EE | $3,751 | $3,382+10.9% | $4,816-22.1% | $2,597+44.5% |
| Participant deferral / active EE | $11,464 | $6,111+87.6% | $7,448+53.9% | $4,028+184.6% |
| Admin fee / account holder | $42,153 | $6,277+571.5% | $10,009+321.2% | $5,403+680.2% |