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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 | $79,957 | $95,975-16.7% | $74,549+7.3% | $135,379-40.9% |
| Participation rate | 71.4% | 75.7%-4.2pp | 69.1%+2.3pp | 82.6%-11.2pp |
| Annual return | -6.22% | 56.96%-63.2pp | 32.53%-38.8pp | 519.79%-526.0pp |
| Employer contribution / active EE | $2,198 | $2,716-19.1% | $1,961+12.1% | $4,779-54.0% |
| Participant deferral / active EE | $4,858 | $3,844+26.4% | $3,108+56.3% | $5,609-13.4% |
| Admin fee / account holder | $449 | $6,522-93.1% | $5,059-91.1% | $10,828-95.9% |