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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 | $132,530 | $133,998-1.1% | $112,263+18.1% | $134,545-1.5% |
| Participation rate | 93.3% | 78.6%+14.8pp | 75.1%+18.3pp | 81.2%+12.1pp |
| Annual return | -19.25% | 47.17%-66.4pp | 27.49%-46.7pp | 418.37%-437.6pp |
| Employer contribution / active EE | $2,396 | $4,040-40.7% | $3,636-34.1% | $4,742-49.5% |
| Participant deferral / active EE | $6,388 | $5,292+20.7% | $4,729+35.1% | $6,401-0.2% |
| Admin fee / account holder | $7,627 | $7,493+1.8% | $6,410+19.0% | $11,431-33.3% |