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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 | $98,141 | $57,352+71.1% | $83,831+17.1% | $64,173+52.9% |
| Participation rate | 78.8% | 68.6%+10.2pp | 76.1%+2.6pp | 69.6%+9.2pp |
| Annual return | -5.75% | 11.38%-17.1pp | 850.99%-856.7pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,654 | $2,546-35.0% | $3,631-54.4% | $2,381-30.5% |
| Participant deferral / active EE | $3,519 | $2,993+17.6% | $4,082-13.8% | $3,470+1.4% |
| Admin fee / account holder | $2,402 | $4,046-40.6% | $5,479-56.2% | $4,887-50.9% |