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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 | $229,144 | $100,811+127.3% | $86,698+164.3% | $134,545+70.3% |
| Participation rate | 94.1% | 79.0%+15.2pp | 76.6%+17.5pp | 81.2%+12.9pp |
| Annual return | -10.40% | 29.11%-39.5pp | 35.96%-46.4pp | 418.37%-428.8pp |
| Employer contribution / active EE | $1,790 | $3,490-48.7% | $2,837-36.9% | $4,742-62.2% |
| Participant deferral / active EE | $4,827 | $5,339-9.6% | $4,656+3.7% | $6,401-24.6% |
| Admin fee / account holder | $2,364 | $10,926-78.4% | $7,492-68.4% | $11,431-79.3% |