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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 | $117,494 | $129,960-9.6% | $104,299+12.7% | $134,545-12.7% |
| Participation rate | 86.4% | 79.5%+6.8pp | 73.3%+13.1pp | 81.2%+5.1pp |
| Annual return | -19.55% | 42.06%-61.6pp | 24.62%-44.2pp | 418.37%-437.9pp |
| Employer contribution / active EE | $1,195 | $4,186-71.5% | $3,373-64.6% | $4,742-74.8% |
| Participant deferral / active EE | $4,227 | $5,589-24.4% | $4,626-8.6% | $6,401-34.0% |
| Admin fee / account holder | $3,074 | $9,324-67.0% | $7,339-58.1% | $11,431-73.1% |