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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 | $62,826 | $93,117-32.5% | $77,096-18.5% | $134,532-53.3% |
| Participation rate | 91.7% | 74.5%+17.2pp | 67.9%+23.7pp | 81.2%+10.4pp |
| Annual return | -16.32% | 62.67%-79.0pp | 42.35%-58.7pp | 418.27%-434.6pp |
| Employer contribution / active EE | $3,463 | $3,420+1.3% | $2,814+23.1% | $4,741-26.9% |
| Participant deferral / active EE | $7,182 | $5,241+37.0% | $4,429+62.1% | $6,401+12.2% |
| Admin fee / account holder | $5,768 | $6,948-17.0% | $5,428+6.3% | $11,429-49.5% |