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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 | $125,538 | $75,962+65.3% | $154,111-18.5% | $64,173+95.6% |
| Participation rate | 86.5% | 70.4%+16.1pp | 83.0%+3.5pp | 69.6%+17.0pp |
| Annual return | -4.93% | 30.32%-35.2pp | 735.18%-740.1pp | 7.63%-12.6pp |
| Employer contribution / active EE | $2,384 | $3,350-28.8% | $5,298-55.0% | $2,381+0.1% |
| Participant deferral / active EE | $5,168 | $3,175+62.8% | $5,081+1.7% | $3,470+48.9% |
| Admin fee / account holder | $742 | $5,589-86.7% | $13,411-94.5% | $4,887-84.8% |