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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 | $80,582 | $129,959-38.0% | $104,301-22.7% | $134,509-40.1% |
| Participation rate | 90.5% | 79.5%+10.9pp | 73.3%+17.2pp | 81.2%+9.2pp |
| Annual return | -19.69% | 42.04%-61.7pp | 24.61%-44.3pp | 418.13%-437.8pp |
| Employer contribution / active EE | $2,152 | $4,185-48.6% | $3,373-36.2% | $4,741-54.6% |
| Participant deferral / active EE | $5,415 | $5,589-3.1% | $4,626+17.1% | $6,400-15.4% |
| Admin fee / account holder | $3,169 | $9,325-66.0% | $7,340-56.8% | $11,427-72.3% |