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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 | $25,216 | $133,981-81.2% | $112,249-77.5% | $134,532-81.3% |
| Participation rate | 85.0% | 78.6%+6.4pp | 75.1%+9.9pp | 81.2%+3.8pp |
| Annual return | -12.86% | 47.16%-60.0pp | 27.48%-40.3pp | 418.27%-431.1pp |
| Employer contribution / active EE | $2,852 | $4,040-29.4% | $3,636-21.6% | $4,741-39.8% |
| Participant deferral / active EE | $1,780 | $5,292-66.4% | $4,729-62.4% | $6,401-72.2% |
| Admin fee / account holder | $9,071 | $7,492+21.1% | $6,412+41.5% | $11,429-20.6% |