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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 | $71,025 | $72,177-1.6% | $115,038-38.3% | $59,633+19.1% |
| Participation rate | 88.1% | 72.6%+15.5pp | 81.4%+6.7pp | 68.7%+19.4pp |
| Annual return | -0.13% | 12.02%-12.1pp | 26.14%-26.3pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $5,656 | $2,841+99.1% | $4,608+22.8% | $2,203+156.8% |
| Participant deferral / active EE | $9,857 | $4,783+106.1% | $6,026+63.6% | $3,192+208.8% |
| Admin fee / account holder | $2,527 | $4,927-48.7% | $8,175-69.1% | $4,297-41.2% |