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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 | $142,682 | $100,805+41.5% | $86,698+64.6% | $134,532+6.1% |
| Participation rate | 81.8% | 79.0%+2.9pp | 76.6%+5.2pp | 81.2%+0.6pp |
| Annual return | -19.80% | 29.09%-48.9pp | 35.95%-55.7pp | 418.27%-438.1pp |
| Employer contribution / active EE | $3,432 | $3,490-1.7% | $2,837+21.0% | $4,741-27.6% |
| Participant deferral / active EE | $10,566 | $5,339+97.9% | $4,656+126.9% | $6,401+65.1% |
| Admin fee / account holder | $6,496 | $10,925-40.5% | $7,493-13.3% | $11,429-43.2% |