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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 | $58,803 | $45,566+29.0% | $64,105-8.3% | $59,633-1.4% |
| Participation rate | 89.2% | 60.2%+29.0pp | 68.2%+21.0pp | 68.7%+20.5pp |
| Annual return | -2.50% | 4.95%-7.4pp | 791.24%-793.7pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $1,568 | $934+67.9% | $1,820-13.8% | $2,203-28.8% |
| Participant deferral / active EE | $4,053 | $2,057+97.1% | $2,822+43.6% | $3,192+27.0% |
| Admin fee / account holder | $1,388 | $3,268-57.5% | $4,499-69.2% | $4,297-67.7% |