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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 | $158,222 | $129,959+21.7% | $104,301+51.7% | $134,532+17.6% |
| Participation rate | 78.6% | 79.5%-1.0pp | 73.3%+5.3pp | 81.2%-2.7pp |
| Annual return | -14.92% | 42.04%-57.0pp | 24.61%-39.5pp | 418.27%-433.2pp |
| Employer contribution / active EE | $1,224 | $4,185-70.8% | $3,373-63.7% | $4,741-74.2% |
| Participant deferral / active EE | $4,109 | $5,589-26.5% | $4,626-11.2% | $6,401-35.8% |
| Admin fee / account holder | $3,544 | $9,325-62.0% | $7,340-51.7% | $11,429-69.0% |