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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 | $113,470 | $54,380+108.7% | $68,509+65.6% | $59,633+90.3% |
| Participation rate | 80.0% | 70.2%+9.8pp | 74.7%+5.3pp | 68.7%+11.3pp |
| Annual return | -0.90% | 2.83%-3.7pp | 8.27%-9.2pp | 2041.40%-2042.3pp |
| Employer contribution / active EE | $1,196 | $1,539-22.3% | $2,278-47.5% | $2,203-45.7% |
| Participant deferral / active EE | $10,256 | $2,643+288.0% | $3,382+203.2% | $3,192+221.4% |
| Admin fee / account holder | $20,460 | $3,885+426.6% | $5,275+287.9% | $4,297+376.1% |