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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 | $64,125 | $57,350+11.8% | $83,850-23.5% | $64,181-0.1% |
| Participation rate | 81.0% | 68.6%+12.4pp | 76.1%+4.9pp | 69.6%+11.5pp |
| Annual return | -6.35% | 11.38%-17.7pp | 850.92%-857.3pp | 7.63%-14.0pp |
| Employer contribution / active EE | $1,313 | $2,545-48.4% | $3,631-63.8% | $2,381-44.9% |
| Participant deferral / active EE | $2,145 | $2,993-28.3% | $4,082-47.5% | $3,470-38.2% |
| Admin fee / account holder | $5,929 | $4,046+46.5% | $5,478+8.2% | $4,887+21.3% |