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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 | $73,818 | $54,380+35.7% | $68,509+7.7% | $59,633+23.8% |
| Participation rate | 78.6% | 70.2%+8.4pp | 74.7%+3.8pp | 68.7%+9.9pp |
| Annual return | -0.97% | 2.83%-3.8pp | 8.27%-9.2pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $2,686 | $1,539+74.6% | $2,278+17.9% | $2,203+21.9% |
| Participant deferral / active EE | $5,419 | $2,643+105.0% | $3,382+60.2% | $3,192+69.8% |
| Admin fee / account holder | $3,326 | $3,885-14.4% | $5,275-36.9% | $4,297-22.6% |