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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 | $85,816 | $75,832+13.2% | $147,617-41.9% | $59,633+43.9% |
| Participation rate | 76.3% | 71.6%+4.8pp | 84.6%-8.3pp | 68.7%+7.6pp |
| Annual return | -1.71% | 0.37%-2.1pp | 61.98%-63.7pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $3,947 | $3,485+13.3% | $5,564-29.1% | $2,203+79.2% |
| Participant deferral / active EE | $4,177 | $3,131+33.4% | $4,895-14.7% | $3,192+30.9% |
| Admin fee / account holder | $4,201 | $5,986-29.8% | $11,612-63.8% | $4,297-2.2% |