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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 | $80,650 | $95,975-16.0% | $74,552+8.2% | $135,382-40.4% |
| Participation rate | 83.3% | 75.7%+7.7pp | 69.1%+14.2pp | 82.6%+0.7pp |
| Annual return | -6.09% | 56.96%-63.1pp | 32.53%-38.6pp | 519.77%-525.9pp |
| Employer contribution / active EE | $9,529 | $2,716+250.8% | $1,961+386.0% | $4,779+99.4% |
| Participant deferral / active EE | $3,744 | $3,844-2.6% | $3,108+20.5% | $5,609-33.2% |
| Admin fee / account holder | $2,916 | $6,522-55.3% | $5,060-42.4% | $10,829-73.1% |