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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 | $55,129 | $45,152+22.1% | $73,835-25.3% | $59,633-7.6% |
| Participation rate | 89.7% | 64.0%+25.7pp | 73.4%+16.3pp | 68.7%+21.1pp |
| Annual return | -1.92% | 27.40%-29.3pp | 2268.13%-2270.0pp | 2041.40%-2043.3pp |
| Employer contribution / active EE | $3,972 | $1,901+108.9% | $2,788+42.5% | $2,203+80.3% |
| Participant deferral / active EE | $3,637 | $2,573+41.4% | $3,583+1.5% | $3,192+14.0% |
| Admin fee / account holder | $567 | $3,515-83.9% | $4,880-88.4% | $4,297-86.8% |