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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 | $109,820 | $133,981-18.0% | $112,249-2.2% | $134,532-18.4% |
| Participation rate | 94.1% | 78.6%+15.6pp | 75.1%+19.1pp | 81.2%+12.9pp |
| Annual return | -16.19% | 47.16%-63.4pp | 27.48%-43.7pp | 418.27%-434.5pp |
| Employer contribution / active EE | $2,444 | $4,040-39.5% | $3,636-32.8% | $4,741-48.5% |
| Participant deferral / active EE | $5,850 | $5,292+10.5% | $4,729+23.7% | $6,401-8.6% |
| Admin fee / account holder | $3,770 | $7,492-49.7% | $6,412-41.2% | $11,429-67.0% |