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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 | $119,954 | $133,981-10.5% | $112,249+6.9% | $134,532-10.8% |
| Participation rate | 94.1% | 78.6%+15.6pp | 75.1%+19.1pp | 81.2%+12.9pp |
| Annual return | -16.90% | 47.16%-64.1pp | 27.48%-44.4pp | 418.27%-435.2pp |
| Employer contribution / active EE | $9,141 | $4,040+126.3% | $3,636+151.4% | $4,741+92.8% |
| Participant deferral / active EE | $7,269 | $5,292+37.4% | $4,729+53.7% | $6,401+13.6% |
| Admin fee / account holder | $1,443 | $7,492-80.7% | $6,412-77.5% | $11,429-87.4% |