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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 | $65,206 | $45,566+43.1% | $64,105+1.7% | $59,633+9.3% |
| Participation rate | 76.0% | 60.2%+15.8pp | 68.2%+7.8pp | 68.7%+7.3pp |
| Annual return | -0.62% | 4.95%-5.6pp | 791.24%-791.9pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $1,437 | $934+53.8% | $1,820-21.0% | $2,203-34.8% |
| Participant deferral / active EE | $5,675 | $2,057+175.9% | $2,822+101.1% | $3,192+77.8% |
| Admin fee / account holder | $3,137 | $3,268-4.0% | $4,499-30.3% | $4,297-27.0% |