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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 | $90,418 | $57,352+57.7% | $83,831+7.9% | $64,173+40.9% |
| Participation rate | 92.3% | 68.6%+23.7pp | 76.1%+16.2pp | 69.6%+22.7pp |
| Annual return | -7.34% | 11.38%-18.7pp | 850.99%-858.3pp | 7.63%-15.0pp |
| Employer contribution / active EE | $2,582 | $2,546+1.4% | $3,631-28.9% | $2,381+8.4% |
| Participant deferral / active EE | $2,522 | $2,993-15.7% | $4,082-38.2% | $3,470-27.3% |
| Admin fee / account holder | $2,453 | $4,046-39.4% | $5,479-55.2% | $4,887-49.8% |