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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 | $107,879 | $65,704+64.2% | $94,229+14.5% | $59,633+80.9% |
| Participation rate | 85.4% | 72.1%+13.2pp | 78.8%+6.6pp | 68.7%+16.7pp |
| Annual return | -2.04% | 5.22%-7.3pp | 10.68%-12.7pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $4,794 | $2,021+137.3% | $3,587+33.7% | $2,203+117.7% |
| Participant deferral / active EE | $5,683 | $3,143+80.8% | $4,320+31.5% | $3,192+78.1% |
| Admin fee / account holder | $10,854 | $4,265+154.5% | $6,269+73.1% | $4,297+152.6% |