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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 | $27,927 | $82,678-66.2% | $125,391-77.7% | $68,490-59.2% |
| Participation rate | 92.0% | 75.1%+16.9pp | 82.4%+9.6pp | 67.9%+24.1pp |
| Annual return | -9.43% | -5.97%-3.5pp | 572.41%-581.8pp | -7.85%-1.6pp |
| Employer contribution / active EE | $4,484 | $3,382+32.6% | $4,816-6.9% | $2,597+72.7% |
| Participant deferral / active EE | $9,942 | $6,111+62.7% | $7,448+33.5% | $4,028+146.8% |
| Admin fee / account holder | $1,169 | $6,277-81.4% | $10,009-88.3% | $5,403-78.4% |