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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 | $57,053 | $75,962-24.9% | $154,108-63.0% | $64,173-11.1% |
| Participation rate | 92.6% | 70.4%+22.2pp | 83.0%+9.6pp | 69.6%+23.0pp |
| Annual return | 1.46% | 30.32%-28.9pp | 735.21%-733.7pp | 7.63%-6.2pp |
| Employer contribution / active EE | $2,575 | $3,350-23.1% | $5,298-51.4% | $2,381+8.2% |
| Participant deferral / active EE | $5,200 | $3,175+63.8% | $5,081+2.3% | $3,470+49.9% |
| Admin fee / account holder | $1,216 | $5,589-78.2% | $13,411-90.9% | $4,887-75.1% |