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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 | $127,084 | $57,352+121.6% | $83,831+51.6% | $64,173+98.0% |
| Participation rate | 84.8% | 68.6%+16.2pp | 76.1%+8.7pp | 69.6%+15.3pp |
| Annual return | -3.48% | 11.38%-14.9pp | 850.99%-854.5pp | 7.63%-11.1pp |
| Employer contribution / active EE | $4,903 | $2,546+92.6% | $3,631+35.0% | $2,381+105.9% |
| Participant deferral / active EE | $5,837 | $2,993+95.0% | $4,082+43.0% | $3,470+68.2% |
| Admin fee / account holder | $10,934 | $4,046+170.2% | $5,479+99.6% | $4,887+123.7% |