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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 | $31,148 | $133,998-76.8% | $112,263-72.3% | $134,545-76.8% |
| Participation rate | 90.9% | 78.6%+12.4pp | 75.1%+15.8pp | 81.2%+9.7pp |
| Annual return | -13.35% | 47.17%-60.5pp | 27.49%-40.8pp | 418.37%-431.7pp |
| Employer contribution / active EE | $2,096 | $4,040-48.1% | $3,636-42.3% | $4,742-55.8% |
| Participant deferral / active EE | $3,127 | $5,292-40.9% | $4,729-33.9% | $6,401-51.1% |
| Admin fee / account holder | $9,002 | $7,493+20.1% | $6,410+40.4% | $11,431-21.2% |