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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 | $99,640 | $129,960-23.3% | $104,299-4.5% | $134,545-25.9% |
| Participation rate | 80.0% | 79.5%+0.5pp | 73.3%+6.7pp | 81.2%-1.2pp |
| Annual return | -17.05% | 42.06%-59.1pp | 24.62%-41.7pp | 418.37%-435.4pp |
| Employer contribution / active EE | $3,260 | $4,186-22.1% | $3,373-3.4% | $4,742-31.2% |
| Participant deferral / active EE | $6,593 | $5,589+17.9% | $4,626+42.5% | $6,401+3.0% |
| Admin fee / account holder | $3,205 | $9,324-65.6% | $7,339-56.3% | $11,431-72.0% |