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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 | $70,012 | $40,263+73.9% | $57,347+22.1% | $59,632+17.4% |
| Participation rate | 95.7% | 69.2%+26.5pp | 75.1%+20.6pp | 68.7%+27.0pp |
| Annual return | -0.06% | 27.50%-27.6pp | 24.40%-24.5pp | 2041.32%-2041.4pp |
| Employer contribution / active EE | $6,566 | $1,922+241.6% | $2,689+144.2% | $2,203+198.1% |
| Participant deferral / active EE | $5,620 | $2,400+134.2% | $3,162+77.7% | $3,192+76.1% |
| Admin fee / account holder | $2,689 | $2,819-4.6% | $3,356-19.9% | $4,297-37.4% |