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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 | $97,534 | $72,404+34.7% | $110,243-11.5% | $64,173+52.0% |
| Participation rate | 81.0% | 73.3%+7.6pp | 79.8%+1.1pp | 69.6%+11.4pp |
| Annual return | -6.66% | -6.29%-0.4pp | 314.76%-321.4pp | 7.63%-14.3pp |
| Employer contribution / active EE | $3,296 | $2,282+44.5% | $3,827-13.9% | $2,381+38.4% |
| Participant deferral / active EE | $6,867 | $3,469+97.9% | $4,672+47.0% | $3,470+97.9% |
| Admin fee / account holder | $879 | $5,664-84.5% | $8,548-89.7% | $4,887-82.0% |