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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 | $99,576 | $95,917+3.8% | $79,583+25.1% | $134,545-26.0% |
| Participation rate | 88.9% | 75.0%+13.8pp | 69.5%+19.4pp | 81.2%+7.7pp |
| Annual return | -12.02% | -2.70%-9.3pp | 0.16%-12.2pp | 418.37%-430.4pp |
| Employer contribution / active EE | $4,907 | $3,129+56.8% | $2,414+103.3% | $4,742+3.5% |
| Participant deferral / active EE | $10,236 | $4,694+118.1% | $3,986+156.8% | $6,401+59.9% |
| Admin fee / account holder | $487 | $9,132-94.7% | $6,835-92.9% | $11,431-95.7% |