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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 | $127,383 | $95,915+32.8% | $79,580+60.1% | $134,532-5.3% |
| Participation rate | 83.3% | 75.0%+8.3pp | 69.5%+13.8pp | 81.2%+2.1pp |
| Annual return | -14.49% | -2.71%-11.8pp | 0.15%-14.6pp | 418.27%-432.8pp |
| Employer contribution / active EE | $4,461 | $3,129+42.6% | $2,413+84.8% | $4,741-5.9% |
| Participant deferral / active EE | $4,545 | $4,693-3.2% | $3,985+14.0% | $6,401-29.0% |
| Admin fee / account holder | $52,438 | $9,132+474.2% | $6,835+667.2% | $11,429+358.8% |