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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 | $87,068 | $57,352+51.8% | $83,830+3.9% | $64,173+35.7% |
| Participation rate | 93.9% | 68.6%+25.3pp | 76.1%+17.8pp | 69.6%+24.4pp |
| Annual return | -5.89% | 11.38%-17.3pp | 850.97%-856.9pp | 7.63%-13.5pp |
| Employer contribution / active EE | $2,417 | $2,546-5.0% | $3,631-33.4% | $2,381+1.5% |
| Participant deferral / active EE | $6,422 | $2,993+114.6% | $4,082+57.3% | $3,470+85.1% |
| Admin fee / account holder | $2,907 | $4,046-28.2% | $5,479-46.9% | $4,887-40.5% |