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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 | $103,607 | $57,350+80.7% | $83,850+23.6% | $64,181+61.4% |
| Participation rate | 94.4% | 68.6%+25.8pp | 76.1%+18.3pp | 69.6%+24.9pp |
| Annual return | -6.51% | 11.38%-17.9pp | 850.92%-857.4pp | 7.63%-14.1pp |
| Employer contribution / active EE | $4,813 | $2,545+89.1% | $3,631+32.5% | $2,381+102.1% |
| Participant deferral / active EE | $2,038 | $2,993-31.9% | $4,082-50.1% | $3,470-41.3% |
| Admin fee / account holder | $3,945 | $4,046-2.5% | $5,478-28.0% | $4,887-19.3% |