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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 | $95,347 | $133,981-28.8% | $112,249-15.1% | $134,532-29.1% |
| Participation rate | 83.3% | 78.6%+4.8pp | 75.1%+8.3pp | 81.2%+2.1pp |
| Annual return | -17.69% | 47.16%-64.8pp | 27.48%-45.2pp | 418.27%-436.0pp |
| Employer contribution / active EE | $2,652 | $4,040-34.4% | $3,636-27.1% | $4,741-44.1% |
| Participant deferral / active EE | $5,548 | $5,292+4.8% | $4,729+17.3% | $6,401-13.3% |
| Admin fee / account holder | $3,926 | $7,492-47.6% | $6,412-38.8% | $11,429-65.6% |