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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 | $89,380 | $131,835-32.2% | $108,582-17.7% | $273,972-67.4% |
| Participation rate | 95.2% | 83.5%+11.8pp | 79.6%+15.7pp | 83.0%+12.2pp |
| Annual return | 22.44% | -91.57%+114.0pp | -51.70%+74.1pp | 41.46%-19.0pp |
| Employer contribution / active EE | $8,155 | $4,913+66.0% | $3,758+117.0% | $4,869+67.5% |
| Participant deferral / active EE | $9,749 | $5,127+90.1% | $4,311+126.1% | $5,287+84.4% |
| Admin fee / account holder | $1,581 | $10,253-84.6% | $7,645-79.3% | $10,133-84.4% |