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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 | $145,267 | $152,542-4.8% | $117,498+23.6% | $134,509+8.0% |
| Participation rate | 80.0% | 77.1%+2.9pp | 70.6%+9.4pp | 81.2%-1.2pp |
| Annual return | -16.63% | 53.02%-69.6pp | 29.75%-46.4pp | 418.13%-434.8pp |
| Employer contribution / active EE | $1,601 | $5,574-71.3% | $4,178-61.7% | $4,741-66.2% |
| Participant deferral / active EE | $9,843 | $4,819+104.2% | $4,071+141.8% | $6,400+53.8% |
| Admin fee / account holder | $1,359 | $7,006-80.6% | $5,646-75.9% | $11,427-88.1% |