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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 | $90,890 | $129,960-30.1% | $104,299-12.9% | $134,545-32.4% |
| Participation rate | 100.0% | 79.5%+20.5pp | 73.3%+26.7pp | 81.2%+18.8pp |
| Annual return | -19.65% | 42.06%-61.7pp | 24.62%-44.3pp | 418.37%-438.0pp |
| Employer contribution / active EE | $2,854 | $4,186-31.8% | $3,373-15.4% | $4,742-39.8% |
| Participant deferral / active EE | $6,843 | $5,589+22.4% | $4,626+47.9% | $6,401+6.9% |
| Admin fee / account holder | $10,531 | $9,324+12.9% | $7,339+43.5% | $11,431-7.9% |