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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 | $114,262 | $129,960-12.1% | $104,299+9.6% | $134,545-15.1% |
| Participation rate | 85.7% | 79.5%+6.2pp | 73.3%+12.4pp | 81.2%+4.5pp |
| Annual return | -14.68% | 42.06%-56.7pp | 24.62%-39.3pp | 418.37%-433.1pp |
| Employer contribution / active EE | $5,036 | $4,186+20.3% | $3,373+49.3% | $4,742+6.2% |
| Participant deferral / active EE | $8,367 | $5,589+49.7% | $4,626+80.9% | $6,401+30.7% |
| Admin fee / account holder | $4,814 | $9,324-48.4% | $7,339-34.4% | $11,431-57.9% |