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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 | $62,896 | $72,404-13.1% | $110,243-42.9% | $64,173-2.0% |
| Participation rate | 97.3% | 73.3%+24.0pp | 79.8%+17.5pp | 69.6%+27.7pp |
| Annual return | -5.15% | -6.29%+1.1pp | 314.76%-319.9pp | 7.63%-12.8pp |
| Employer contribution / active EE | $3,609 | $2,282+58.2% | $3,827-5.7% | $2,381+51.6% |
| Participant deferral / active EE | $7,856 | $3,469+126.4% | $4,672+68.1% | $3,470+126.4% |
| Admin fee / account holder | $855 | $5,664-84.9% | $8,548-90.0% | $4,887-82.5% |