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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 | $82,434 | $72,404+13.9% | $110,243-25.2% | $64,173+28.5% |
| Participation rate | 80.6% | 73.3%+7.3pp | 79.8%+0.8pp | 69.6%+11.1pp |
| Annual return | -0.16% | -6.29%+6.1pp | 314.76%-314.9pp | 7.63%-7.8pp |
| Employer contribution / active EE | $2,914 | $2,282+27.7% | $3,827-23.9% | $2,381+22.4% |
| Participant deferral / active EE | $5,999 | $3,469+72.9% | $4,672+28.4% | $3,470+72.9% |
| Admin fee / account holder | $3,229 | $5,664-43.0% | $8,548-62.2% | $4,887-33.9% |