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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 | $93,248 | $78,694+18.5% | $67,652+37.8% | $125,389-25.6% |
| Participation rate | 86.4% | 78.8%+7.6pp | 75.7%+10.7pp | 83.2%+3.2pp |
| Annual return | 2.86% | 9.46%-6.6pp | 6625.40%-6622.5pp | 282.24%-279.4pp |
| Employer contribution / active EE | $2,248 | $3,044-26.2% | $2,266-0.8% | $4,866-53.8% |
| Participant deferral / active EE | $3,955 | $4,292-7.9% | $3,560+11.1% | $5,352-26.1% |
| Admin fee / account holder | $3,335 | $7,403-54.9% | $4,821-30.8% | $9,541-65.0% |