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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 | $145,441 | $82,674+75.9% | $125,381+16.0% | $68,486+112.4% |
| Participation rate | 96.9% | 75.1%+21.8pp | 82.4%+14.5pp | 67.9%+29.0pp |
| Annual return | -17.08% | -5.97%-11.1pp | 572.31%-589.4pp | -7.85%-9.2pp |
| Employer contribution / active EE | $3,530 | $3,382+4.4% | $4,815-26.7% | $2,597+36.0% |
| Participant deferral / active EE | $6,220 | $6,111+1.8% | $7,448-16.5% | $4,028+54.4% |
| Admin fee / account holder | $5,498 | $6,277-12.4% | $10,007-45.1% | $5,404+1.7% |