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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 | $69,169 | $72,404-4.5% | $110,243-37.3% | $64,173+7.8% |
| Participation rate | 87.5% | 73.3%+14.2pp | 79.8%+7.7pp | 69.6%+17.9pp |
| Annual return | -2.84% | -6.29%+3.4pp | 314.76%-317.6pp | 7.63%-10.5pp |
| Employer contribution / active EE | $3,215 | $2,282+40.9% | $3,827-16.0% | $2,381+35.1% |
| Participant deferral / active EE | $8,305 | $3,469+139.4% | $4,672+77.8% | $3,470+139.4% |
| Admin fee / account holder | $2,727 | $5,664-51.9% | $8,548-68.1% | $4,887-44.2% |