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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 | $39,732 | $133,998-70.3% | $112,263-64.6% | $134,545-70.5% |
| Participation rate | 86.4% | 78.6%+7.8pp | 75.1%+11.3pp | 81.2%+5.1pp |
| Annual return | -14.64% | 47.17%-61.8pp | 27.49%-42.1pp | 418.37%-433.0pp |
| Employer contribution / active EE | $9,452 | $4,040+133.9% | $3,636+159.9% | $4,742+99.3% |
| Participant deferral / active EE | $6,136 | $5,292+15.9% | $4,729+29.7% | $6,401-4.2% |
| Admin fee / account holder | $752 | $7,493-90.0% | $6,410-88.3% | $11,431-93.4% |