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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 | $121,466 | $72,404+67.8% | $110,243+10.2% | $64,173+89.3% |
| Participation rate | 90.6% | 73.3%+17.3pp | 79.8%+10.8pp | 69.6%+21.1pp |
| Annual return | -5.65% | -6.29%+0.6pp | 314.76%-320.4pp | 7.63%-13.3pp |
| Employer contribution / active EE | $3,788 | $2,282+66.0% | $3,827-1.0% | $2,381+59.1% |
| Participant deferral / active EE | $4,150 | $3,469+19.6% | $4,672-11.2% | $3,470+19.6% |
| Admin fee / account holder | $4,206 | $5,664-25.7% | $8,548-50.8% | $4,887-13.9% |