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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 | $87,894 | $133,981-34.4% | $112,249-21.7% | $134,532-34.7% |
| Participation rate | 95.7% | 78.6%+17.1pp | 75.1%+20.6pp | 81.2%+14.4pp |
| Annual return | -17.71% | 47.16%-64.9pp | 27.48%-45.2pp | 418.27%-436.0pp |
| Employer contribution / active EE | $2,444 | $4,040-39.5% | $3,636-32.8% | $4,741-48.4% |
| Participant deferral / active EE | $5,972 | $5,292+12.8% | $4,729+26.3% | $6,401-6.7% |
| Admin fee / account holder | $2,016 | $7,492-73.1% | $6,412-68.6% | $11,429-82.4% |