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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 | $101,977 | $59,111+72.5% | $86,451+18.0% | $68,490+48.9% |
| Participation rate | 83.8% | 75.2%+8.6pp | 80.3%+3.4pp | 67.9%+15.9pp |
| Annual return | -18.89% | -0.22%-18.7pp | 4398.51%-4417.4pp | -7.85%-11.0pp |
| Employer contribution / active EE | $3,036 | $2,519+20.5% | $3,770-19.5% | $2,597+16.9% |
| Participant deferral / active EE | $9,227 | $5,900+56.4% | $6,953+32.7% | $4,028+129.1% |
| Admin fee / account holder | $3,371 | $5,640-40.2% | $6,734-49.9% | $5,403-37.6% |