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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 | $152,928 | $133,981+14.1% | $112,249+36.2% | $134,532+13.7% |
| Participation rate | 93.8% | 78.6%+15.2pp | 75.1%+18.7pp | 81.2%+12.5pp |
| Annual return | -16.27% | 47.16%-63.4pp | 27.48%-43.8pp | 418.27%-434.5pp |
| Employer contribution / active EE | $2,605 | $4,040-35.5% | $3,636-28.4% | $4,741-45.1% |
| Participant deferral / active EE | $4,932 | $5,292-6.8% | $4,729+4.3% | $6,401-22.9% |
| Admin fee / account holder | $3,493 | $7,492-53.4% | $6,412-45.5% | $11,429-69.4% |