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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 | $90,127 | $93,098-3.2% | $77,081+16.9% | $134,509-33.0% |
| Participation rate | 95.0% | 74.5%+20.5pp | 67.9%+27.1pp | 81.2%+13.8pp |
| Annual return | -17.15% | 62.63%-79.8pp | 42.33%-59.5pp | 418.13%-435.3pp |
| Employer contribution / active EE | $2,096 | $3,419-38.7% | $2,813-25.5% | $4,741-55.8% |
| Participant deferral / active EE | $4,665 | $5,239-11.0% | $4,428+5.4% | $6,400-27.1% |
| Admin fee / account holder | $1,216 | $6,945-82.5% | $5,427-77.6% | $11,427-89.4% |