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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 | $60,645 | $77,817-22.1% | $123,553-50.9% | $64,173-5.5% |
| Participation rate | 90.3% | 74.7%+15.6pp | 82.3%+8.0pp | 69.6%+20.8pp |
| Annual return | -1.32% | 12.49%-13.8pp | 119.21%-120.5pp | 7.63%-9.0pp |
| Employer contribution / active EE | $5,312 | $3,014+76.3% | $4,628+14.8% | $2,381+123.1% |
| Participant deferral / active EE | $4,929 | $5,240-5.9% | $6,426-23.3% | $3,470+42.1% |
| Admin fee / account holder | $5,552 | $5,519+0.6% | $9,284-40.2% | $4,887+13.6% |