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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 | $65,931 | $82,032-19.6% | $123,106-46.4% | $59,633+10.6% |
| Participation rate | 97.6% | 83.2%+14.4pp | 86.8%+10.8pp | 68.7%+28.9pp |
| Annual return | -0.02% | 5.12%-5.1pp | 13.22%-13.2pp | 2041.40%-2041.4pp |
| Employer contribution / active EE | $5,296 | $3,297+60.6% | $5,151+2.8% | $2,203+140.4% |
| Participant deferral / active EE | $6,288 | $4,667+34.7% | $6,229+0.9% | $3,192+97.0% |
| Admin fee / account holder | $949 | $5,881-83.9% | $9,015-89.5% | $4,297-77.9% |