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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 | $86,791 | $93,124-6.8% | $77,100+12.6% | $134,545-35.5% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -18.59% | 62.68%-81.3pp | 42.35%-60.9pp | 418.37%-437.0pp |
| Employer contribution / active EE | $4,260 | $3,421+24.5% | $2,815+51.3% | $4,742-10.2% |
| Participant deferral / active EE | $9,240 | $5,242+76.3% | $4,430+108.6% | $6,401+44.3% |
| Admin fee / account holder | $5,937 | $6,970-14.8% | $5,443+9.1% | $11,431-48.1% |