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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 | $108,951 | $59,116+84.3% | $86,438+26.0% | $68,486+59.1% |
| Participation rate | 91.1% | 75.2%+15.9pp | 80.3%+10.8pp | 67.9%+23.2pp |
| Annual return | -17.10% | -0.23%-16.9pp | 4397.19%-4414.3pp | -7.85%-9.2pp |
| Employer contribution / active EE | $2,962 | $2,519+17.6% | $3,769-21.4% | $2,597+14.1% |
| Participant deferral / active EE | $5,812 | $5,902-1.5% | $6,952-16.4% | $4,028+44.3% |
| Admin fee / account holder | $549 | $5,639-90.3% | $6,733-91.8% | $5,404-89.8% |