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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 | $66,433 | $59,107+12.4% | $86,439-23.1% | $68,495-3.0% |
| Participation rate | 84.0% | 75.2%+8.8pp | 80.3%+3.7pp | 67.9%+16.1pp |
| Annual return | -18.04% | -0.23%-17.8pp | 4395.55%-4413.6pp | -7.84%-10.2pp |
| Employer contribution / active EE | $3,195 | $2,519+26.8% | $3,769-15.2% | $2,596+23.0% |
| Participant deferral / active EE | $5,954 | $5,901+0.9% | $6,952-14.3% | $4,028+47.8% |
| Admin fee / account holder | $3,472 | $5,637-38.4% | $6,732-48.4% | $5,403-35.8% |