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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 | $89,655 | $72,404+23.8% | $110,243-18.7% | $64,173+39.7% |
| Participation rate | 91.7% | 73.3%+18.3pp | 79.8%+11.8pp | 69.6%+22.1pp |
| Annual return | -5.77% | -6.29%+0.5pp | 314.76%-320.5pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,235 | $2,282-45.9% | $3,827-67.7% | $2,381-48.1% |
| Participant deferral / active EE | $6,626 | $3,469+91.0% | $4,672+41.8% | $3,470+91.0% |
| Admin fee / account holder | $16,068 | $5,664+183.7% | $8,548+88.0% | $4,887+228.8% |