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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 | $225,770 | $168,636+33.9% | $147,617+52.9% | $125,393+80.1% |
| Participation rate | 83.3% | 88.8%-5.4pp | 84.6%-1.3pp | 83.2%+0.1pp |
| Annual return | -1.77% | 77.65%-79.4pp | 61.98%-63.8pp | 282.23%-284.0pp |
| Employer contribution / active EE | $2,641 | $6,252-57.8% | $5,565-52.5% | $4,866-45.7% |
| Participant deferral / active EE | $9,443 | $5,507+71.5% | $4,895+92.9% | $5,351+76.4% |
| Admin fee / account holder | $23,273 | $13,580+71.4% | $11,611+100.4% | $9,541+143.9% |