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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 | $153,660 | $133,981+14.7% | $112,249+36.9% | $134,532+14.2% |
| Participation rate | 91.7% | 78.6%+13.1pp | 75.1%+16.6pp | 81.2%+10.4pp |
| Annual return | -14.83% | 47.16%-62.0pp | 27.48%-42.3pp | 418.27%-433.1pp |
| Employer contribution / active EE | $3,054 | $4,040-24.4% | $3,636-16.0% | $4,741-35.6% |
| Participant deferral / active EE | $13,760 | $5,292+160.0% | $4,729+191.0% | $6,401+115.0% |
| Admin fee / account holder | $4,296 | $7,492-42.7% | $6,412-33.0% | $11,429-62.4% |