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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 | $107,218 | $52,678+103.5% | $75,784+41.5% | $59,633+79.8% |
| Participation rate | 93.9% | 67.2%+26.7pp | 75.8%+18.1pp | 68.7%+25.3pp |
| Annual return | -1.74% | 2.95%-4.7pp | 9.68%-11.4pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $1,771 | $2,193-19.3% | $3,323-46.7% | $2,203-19.6% |
| Participant deferral / active EE | $6,119 | $2,591+136.2% | $3,652+67.6% | $3,192+91.7% |
| Admin fee / account holder | $1,333 | $3,610-63.1% | $5,300-74.8% | $4,297-69.0% |