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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 | $46,249 | $133,998-65.5% | $112,263-58.8% | $134,545-65.6% |
| Participation rate | 78.9% | 78.6%+0.4pp | 75.1%+3.9pp | 81.2%-2.3pp |
| Annual return | -9.79% | 47.17%-57.0pp | 27.49%-37.3pp | 418.37%-428.2pp |
| Employer contribution / active EE | $3,147 | $4,040-22.1% | $3,636-13.5% | $4,742-33.6% |
| Participant deferral / active EE | $9,652 | $5,292+82.4% | $4,729+104.1% | $6,401+50.8% |
| Admin fee / account holder | $3,290 | $7,493-56.1% | $6,410-48.7% | $11,431-71.2% |