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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 | $125,426 | $54,370+130.7% | $82,763+51.5% | $68,490+83.1% |
| Participation rate | 97.2% | 63.9%+33.3pp | 72.6%+24.7pp | 67.9%+29.3pp |
| Annual return | -15.81% | -13.67%-2.1pp | 702.45%-718.3pp | -7.85%-8.0pp |
| Employer contribution / active EE | $815 | $2,219-63.3% | $3,008-72.9% | $2,597-68.6% |
| Participant deferral / active EE | $4,436 | $3,247+36.6% | $4,395+0.9% | $4,028+10.1% |
| Admin fee / account holder | $5,538 | $4,398+25.9% | $5,325+4.0% | $5,403+2.5% |