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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 | $69,885 | $133,998-47.8% | $112,263-37.7% | $134,545-48.1% |
| Participation rate | 90.0% | 78.6%+11.4pp | 75.1%+14.9pp | 81.2%+8.8pp |
| Annual return | -19.54% | 47.17%-66.7pp | 27.49%-47.0pp | 418.37%-437.9pp |
| Employer contribution / active EE | $5,000 | $4,040+23.8% | $3,636+37.5% | $4,742+5.5% |
| Participant deferral / active EE | $3,290 | $5,292-37.8% | $4,729-30.4% | $6,401-48.6% |
| Admin fee / account holder | $5,402 | $7,493-27.9% | $6,410-15.7% | $11,431-52.7% |