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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 | $88,945 | $133,981-33.6% | $112,249-20.8% | $134,532-33.9% |
| Participation rate | 93.3% | 78.6%+14.8pp | 75.1%+18.3pp | 81.2%+12.1pp |
| Annual return | -14.59% | 47.16%-61.8pp | 27.48%-42.1pp | 418.27%-432.9pp |
| Employer contribution / active EE | $4,021 | $4,040-0.5% | $3,636+10.6% | $4,741-15.2% |
| Participant deferral / active EE | $16,200 | $5,292+206.1% | $4,729+242.6% | $6,401+153.1% |
| Admin fee / account holder | $7,404 | $7,492-1.2% | $6,412+15.5% | $11,429-35.2% |