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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 | $78,124 | $87,016-10.2% | $63,244+23.5% | $125,388-37.7% |
| Participation rate | 95.7% | 77.1%+18.6pp | 71.0%+24.6pp | 83.2%+12.5pp |
| Annual return | -1.07% | 21.71%-22.8pp | -70.31%+69.2pp | 282.24%-283.3pp |
| Employer contribution / active EE | $5,322 | $3,601+47.8% | $2,322+129.2% | $4,866+9.4% |
| Participant deferral / active EE | $3,543 | $3,939-10.1% | $2,953+20.0% | $5,352-33.8% |
| Admin fee / account holder | $5,787 | $11,954-51.6% | $5,893-1.8% | $9,541-39.3% |