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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 | $96,938 | $75,962+27.6% | $154,108-37.1% | $64,173+51.1% |
| Participation rate | 75.0% | 70.4%+4.6pp | 83.0%-8.0pp | 69.6%+5.4pp |
| Annual return | -2.64% | 30.32%-33.0pp | 735.21%-737.8pp | 7.63%-10.3pp |
| Employer contribution / active EE | $1,701 | $3,350-49.2% | $5,298-67.9% | $2,381-28.5% |
| Participant deferral / active EE | $2,987 | $3,175-5.9% | $5,081-41.2% | $3,470-13.9% |
| Admin fee / account holder | $4,250 | $5,589-24.0% | $13,411-68.3% | $4,887-13.0% |