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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 | $93,023-6.7% | $77,027+12.7% | $134,493-35.5% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -18.59% | 62.61%-81.2pp | 42.32%-60.9pp | 418.01%-436.6pp |
| Employer contribution / active EE | $4,260 | $3,418+24.6% | $2,813+51.5% | $4,740-10.1% |
| Participant deferral / active EE | $9,240 | $5,238+76.4% | $4,427+108.7% | $6,400+44.4% |
| Admin fee / account holder | $5,937 | $6,944-14.5% | $5,425+9.4% | $11,425-48.0% |