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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 | $75,337 | $57,352+31.4% | $83,831-10.1% | $64,173+17.4% |
| Participation rate | 91.2% | 68.6%+22.6pp | 76.1%+15.1pp | 69.6%+21.7pp |
| Annual return | -7.98% | 11.38%-19.4pp | 850.99%-859.0pp | 7.63%-15.6pp |
| Employer contribution / active EE | $2,374 | $2,546-6.8% | $3,631-34.6% | $2,381-0.3% |
| Participant deferral / active EE | $4,486 | $2,993+49.9% | $4,082+9.9% | $3,470+29.3% |
| Admin fee / account holder | $2,223 | $4,046-45.0% | $5,479-59.4% | $4,887-54.5% |