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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 | $89,022 | $72,404+23.0% | $110,243-19.3% | $64,173+38.7% |
| Participation rate | 97.1% | 73.3%+23.7pp | 79.8%+17.2pp | 69.6%+27.5pp |
| Annual return | -7.67% | -6.29%-1.4pp | 314.76%-322.4pp | 7.63%-15.3pp |
| Employer contribution / active EE | $2,601 | $2,282+14.0% | $3,827-32.0% | $2,381+9.2% |
| Participant deferral / active EE | $5,875 | $3,469+69.3% | $4,672+25.7% | $3,470+69.3% |
| Admin fee / account holder | $1,141 | $5,664-79.9% | $8,548-86.6% | $4,887-76.6% |