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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 | $42,058 | $67,396-37.6% | $60,919-31.0% | $134,545-68.7% |
| Participation rate | 77.8% | 76.2%+1.6pp | 73.1%+4.7pp | 81.2%-3.5pp |
| Annual return | -17.18% | 50.12%-67.3pp | 16.96%-34.1pp | 418.37%-435.5pp |
| Employer contribution / active EE | $3,780 | $3,101+21.9% | $2,704+39.8% | $4,742-20.3% |
| Participant deferral / active EE | $12,308 | $4,534+171.4% | $3,814+222.7% | $6,401+92.3% |
| Admin fee / account holder | $3,687 | $4,590-19.7% | $3,228+14.2% | $11,431-67.7% |