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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 | $80,626 | $129,959-38.0% | $104,301-22.7% | $134,532-40.1% |
| Participation rate | 100.0% | 79.5%+20.5pp | 73.3%+26.7pp | 81.2%+18.8pp |
| Annual return | -6.26% | 42.04%-48.3pp | 24.61%-30.9pp | 418.27%-424.5pp |
| Employer contribution / active EE | $7,257 | $4,185+73.4% | $3,373+115.2% | $4,741+53.1% |
| Participant deferral / active EE | $5,975 | $5,589+6.9% | $4,626+29.2% | $6,401-6.7% |
| Admin fee / account holder | $333 | $9,325-96.4% | $7,340-95.5% | $11,429-97.1% |