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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 | $152,858 | $82,674+84.9% | $125,363+21.9% | $68,495+123.2% |
| Participation rate | 76.0% | 75.0%+1.0pp | 82.4%-6.4pp | 67.9%+8.1pp |
| Annual return | -15.99% | -5.97%-10.0pp | 572.15%-588.1pp | -7.84%-8.2pp |
| Employer contribution / active EE | $2,896 | $3,382-14.4% | $4,815-39.8% | $2,596+11.5% |
| Participant deferral / active EE | $8,690 | $6,111+42.2% | $7,447+16.7% | $4,028+115.8% |
| Admin fee / account holder | $3,587 | $6,276-42.8% | $10,005-64.1% | $5,403-33.6% |