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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 | $66,198 | $57,352+15.4% | $83,830-21.0% | $64,173+3.2% |
| Participation rate | 90.7% | 68.6%+22.1pp | 76.1%+14.6pp | 69.6%+21.2pp |
| Annual return | -6.54% | 11.38%-17.9pp | 850.97%-857.5pp | 7.63%-14.2pp |
| Employer contribution / active EE | $2,935 | $2,546+15.3% | $3,631-19.2% | $2,381+23.3% |
| Participant deferral / active EE | $5,811 | $2,993+94.1% | $4,082+42.4% | $3,470+67.5% |
| Admin fee / account holder | $2,533 | $4,046-37.4% | $5,479-53.8% | $4,887-48.2% |