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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 | $55,881 | $93,117-40.0% | $77,096-27.5% | $134,532-58.5% |
| Participation rate | 92.9% | 74.5%+18.4pp | 67.9%+24.9pp | 81.2%+11.6pp |
| Annual return | -15.71% | 62.67%-78.4pp | 42.35%-58.1pp | 418.27%-434.0pp |
| Employer contribution / active EE | $3,019 | $3,420-11.7% | $2,814+7.3% | $4,741-36.3% |
| Participant deferral / active EE | $8,803 | $5,241+68.0% | $4,429+98.7% | $6,401+37.5% |
| Admin fee / account holder | $2,645 | $6,948-61.9% | $5,428-51.3% | $11,429-76.9% |