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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 | $75,148 | $133,998-43.9% | $112,263-33.1% | $134,545-44.1% |
| Participation rate | 87.5% | 78.6%+8.9pp | 75.1%+12.4pp | 81.2%+6.3pp |
| Annual return | -17.86% | 47.17%-65.0pp | 27.49%-45.4pp | 418.37%-436.2pp |
| Employer contribution / active EE | $2,101 | $4,040-48.0% | $3,636-42.2% | $4,742-55.7% |
| Participant deferral / active EE | $4,814 | $5,292-9.0% | $4,729+1.8% | $6,401-24.8% |
| Admin fee / account holder | $4,303 | $7,493-42.6% | $6,410-32.9% | $11,431-62.4% |