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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 | $144,445 | $133,998+7.8% | $112,263+28.7% | $134,545+7.4% |
| Participation rate | 77.8% | 78.6%-0.8pp | 75.1%+2.7pp | 81.2%-3.5pp |
| Annual return | -7.34% | 47.17%-54.5pp | 27.49%-34.8pp | 418.37%-425.7pp |
| Employer contribution / active EE | $3,272 | $4,040-19.0% | $3,636-10.0% | $4,742-31.0% |
| Participant deferral / active EE | $8,809 | $5,292+66.5% | $4,729+86.3% | $6,401+37.6% |
| Admin fee / account holder | $1,729 | $7,493-76.9% | $6,410-73.0% | $11,431-84.9% |