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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 | $84,025 | $52,678+59.5% | $75,784+10.9% | $59,633+40.9% |
| Participation rate | 95.0% | 67.2%+27.8pp | 75.8%+19.2pp | 68.7%+26.3pp |
| Annual return | -0.71% | 2.95%-3.7pp | 9.68%-10.4pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $4,383 | $2,193+99.8% | $3,323+31.9% | $2,203+99.0% |
| Participant deferral / active EE | $1,441 | $2,591-44.4% | $3,652-60.5% | $3,192-54.8% |
| Admin fee / account holder | $3,930 | $3,610+8.9% | $5,300-25.8% | $4,297-8.5% |