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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 | $110,329 | $133,998-17.7% | $112,263-1.7% | $134,545-18.0% |
| Participation rate | 95.2% | 78.6%+16.7pp | 75.1%+20.2pp | 81.2%+14.0pp |
| Annual return | -12.95% | 47.17%-60.1pp | 27.49%-40.4pp | 418.37%-431.3pp |
| Employer contribution / active EE | $13,821 | $4,040+242.1% | $3,636+280.1% | $4,742+191.5% |
| Participant deferral / active EE | $3,445 | $5,292-34.9% | $4,729-27.2% | $6,401-46.2% |
| Admin fee / account holder | $306 | $7,493-95.9% | $6,410-95.2% | $11,431-97.3% |