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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 | $94,409 | $95,979-1.6% | $74,551+26.6% | $135,380-30.3% |
| Participation rate | 75.0% | 75.7%-0.7pp | 69.1%+5.9pp | 82.6%-7.6pp |
| Annual return | -8.82% | 56.97%-65.8pp | 32.53%-41.4pp | 519.81%-528.6pp |
| Employer contribution / active EE | $2,081 | $2,716-23.4% | $1,961+6.1% | $4,779-56.5% |
| Participant deferral / active EE | $7,298 | $3,844+89.9% | $3,108+134.8% | $5,609+30.1% |
| Admin fee / account holder | $741 | $6,522-88.6% | $5,059-85.4% | $10,828-93.2% |