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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 | $43,387 | $82,674-47.5% | $125,381-65.4% | $68,486-36.6% |
| Participation rate | 82.6% | 75.1%+7.6pp | 82.4%+0.2pp | 67.9%+14.7pp |
| Annual return | -9.90% | -5.97%-3.9pp | 572.31%-582.2pp | -7.85%-2.0pp |
| Employer contribution / active EE | $3,028 | $3,382-10.4% | $4,815-37.1% | $2,597+16.6% |
| Participant deferral / active EE | $6,664 | $6,111+9.1% | $7,448-10.5% | $4,028+65.5% |
| Admin fee / account holder | $2,121 | $6,277-66.2% | $10,007-78.8% | $5,404-60.8% |