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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 | $66,457 | $75,962-12.5% | $154,108-56.9% | $64,173+3.6% |
| Participation rate | 88.0% | 70.4%+17.6pp | 83.0%+5.0pp | 69.6%+18.4pp |
| Annual return | 0.38% | 30.32%-29.9pp | 735.21%-734.8pp | 7.63%-7.3pp |
| Employer contribution / active EE | $2,988 | $3,350-10.8% | $5,298-43.6% | $2,381+25.5% |
| Participant deferral / active EE | $6,614 | $3,175+108.3% | $5,081+30.2% | $3,470+90.6% |
| Admin fee / account holder | $15,982 | $5,589+186.0% | $13,411+19.2% | $4,887+227.0% |