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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 | $101,632 | $94,529+7.5% | $140,019-27.4% | $64,173+58.4% |
| Participation rate | 82.9% | 84.1%-1.2pp | 87.5%-4.6pp | 69.6%+13.4pp |
| Annual return | -6.43% | 7.77%-14.2pp | 651.15%-657.6pp | 7.63%-14.1pp |
| Employer contribution / active EE | $4,850 | $3,812+27.2% | $5,605-13.5% | $2,381+103.7% |
| Participant deferral / active EE | $10,887 | $5,250+107.4% | $6,927+57.2% | $3,470+213.8% |
| Admin fee / account holder | $954 | $6,741-85.8% | $10,705-91.1% | $4,887-80.5% |