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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 | $29,187 | $135,645-78.5% | $110,243-73.5% | $135,379-78.4% |
| Participation rate | 86.4% | 83.5%+2.9pp | 79.8%+6.5pp | 82.6%+3.7pp |
| Annual return | -3.25% | 513.24%-516.5pp | 314.76%-318.0pp | 519.79%-523.0pp |
| Employer contribution / active EE | $2,857 | $4,907-41.8% | $3,827-25.3% | $4,779-40.2% |
| Participant deferral / active EE | $4,980 | $5,507-9.6% | $4,672+6.6% | $5,609-11.2% |
| Admin fee / account holder | $4,872 | $11,458-57.5% | $8,548-43.0% | $10,828-55.0% |