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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 | $64,834 | $45,872+41.3% | $77,100-15.9% | $68,490-5.3% |
| Participation rate | 90.0% | 55.9%+34.1pp | 67.9%+22.1pp | 67.9%+22.1pp |
| Annual return | -16.30% | 1.73%-18.0pp | 42.35%-58.7pp | -7.85%-8.4pp |
| Employer contribution / active EE | $5,923 | $1,650+259.0% | $2,815+110.4% | $2,597+128.1% |
| Participant deferral / active EE | $3,034 | $2,963+2.4% | $4,430-31.5% | $4,028-24.7% |
| Admin fee / account holder | $22,394 | $3,041+636.4% | $5,443+311.4% | $5,403+314.5% |