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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 | $118,717 | $133,998-11.4% | $112,263+5.7% | $134,545-11.8% |
| Participation rate | 75.0% | 78.6%-3.6pp | 75.1%-0.1pp | 81.2%-6.2pp |
| Annual return | -19.99% | 47.17%-67.2pp | 27.49%-47.5pp | 418.37%-438.4pp |
| Employer contribution / active EE | $4,368 | $4,040+8.1% | $3,636+20.1% | $4,742-7.9% |
| Participant deferral / active EE | $10,366 | $5,292+95.9% | $4,729+119.2% | $6,401+61.9% |
| Admin fee / account holder | $5,504 | $7,493-26.5% | $6,410-14.1% | $11,431-51.9% |