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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 | $36,754 | $49,177-25.3% | $79,467-53.7% | $64,173-42.7% |
| Participation rate | 77.1% | 65.0%+12.1pp | 73.3%+3.8pp | 69.6%+7.6pp |
| Annual return | -2.40% | -1.16%-1.2pp | 718.30%-720.7pp | 7.63%-10.0pp |
| Employer contribution / active EE | $4,310 | $2,076+107.6% | $2,800+53.9% | $2,381+81.0% |
| Participant deferral / active EE | $4,417 | $2,821+56.6% | $3,704+19.3% | $3,470+27.3% |
| Admin fee / account holder | $3,569 | $3,839-7.0% | $5,104-30.1% | $4,887-27.0% |