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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 | $76,934 | $133,981-42.6% | $112,249-31.5% | $134,532-42.8% |
| Participation rate | 86.4% | 78.6%+7.8pp | 75.1%+11.3pp | 81.2%+5.1pp |
| Annual return | -13.49% | 47.16%-60.6pp | 27.48%-41.0pp | 418.27%-431.8pp |
| Employer contribution / active EE | $2,430 | $4,040-39.9% | $3,636-33.2% | $4,741-48.8% |
| Participant deferral / active EE | $5,020 | $5,292-5.1% | $4,729+6.2% | $6,401-21.6% |
| Admin fee / account holder | $2,179 | $7,492-70.9% | $6,412-66.0% | $11,429-80.9% |