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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 | $129,673 | $133,998-3.2% | $112,263+15.5% | $134,545-3.6% |
| Participation rate | 90.0% | 78.6%+11.4pp | 75.1%+14.9pp | 81.2%+8.8pp |
| Annual return | -12.05% | 47.17%-59.2pp | 27.49%-39.5pp | 418.37%-430.4pp |
| Employer contribution / active EE | $1,911 | $4,040-52.7% | $3,636-47.4% | $4,742-59.7% |
| Participant deferral / active EE | $5,304 | $5,292+0.2% | $4,729+12.2% | $6,401-17.1% |
| Admin fee / account holder | $9,073 | $7,493+21.1% | $6,410+41.5% | $11,431-20.6% |