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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 | $118,120 | $100,805+17.2% | $86,698+36.2% | $134,532-12.2% |
| Participation rate | 77.8% | 79.0%-1.2pp | 76.6%+1.2pp | 81.2%-3.5pp |
| Annual return | -15.46% | 29.09%-44.5pp | 35.95%-51.4pp | 418.27%-433.7pp |
| Employer contribution / active EE | $6,324 | $3,490+81.2% | $2,837+122.9% | $4,741+33.4% |
| Participant deferral / active EE | $3,756 | $5,339-29.6% | $4,656-19.3% | $6,401-41.3% |
| Admin fee / account holder | $2,741 | $10,925-74.9% | $7,493-63.4% | $11,429-76.0% |