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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 | $109,402 | $100,792+8.5% | $86,691+26.2% | $134,509-18.7% |
| Participation rate | 87.5% | 78.9%+8.6pp | 76.6%+10.9pp | 81.2%+6.3pp |
| Annual return | -17.04% | 29.08%-46.1pp | 35.94%-53.0pp | 418.13%-435.2pp |
| Employer contribution / active EE | $4,618 | $3,491+32.3% | $2,837+62.8% | $4,741-2.6% |
| Participant deferral / active EE | $19,139 | $5,339+258.5% | $4,656+311.1% | $6,400+199.0% |
| Admin fee / account holder | $1,529 | $10,924-86.0% | $7,492-79.6% | $11,427-86.6% |