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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 | $105,922 | $69,012+53.5% | $160,009-33.8% | $68,486+54.7% |
| Participation rate | 86.7% | 65.4%+21.2pp | 78.0%+8.7pp | 67.9%+18.8pp |
| Annual return | -16.67% | -9.65%-7.0pp | 408.85%-425.5pp | -7.85%-8.8pp |
| Employer contribution / active EE | $5,435 | $2,212+145.6% | $4,225+28.6% | $2,597+109.3% |
| Participant deferral / active EE | $4,900 | $4,212+16.3% | $6,183-20.8% | $4,028+21.7% |
| Admin fee / account holder | $8,154 | $4,798+69.9% | $8,715-6.4% | $5,404+50.9% |