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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 | $81,165 | $57,352+41.5% | $83,830-3.2% | $64,173+26.5% |
| Participation rate | 90.0% | 68.6%+21.4pp | 76.1%+13.9pp | 69.6%+20.4pp |
| Annual return | -3.39% | 11.38%-14.8pp | 850.97%-854.4pp | 7.63%-11.0pp |
| Employer contribution / active EE | $3,930 | $2,546+54.4% | $3,631+8.2% | $2,381+65.1% |
| Participant deferral / active EE | $5,075 | $2,993+69.6% | $4,082+24.3% | $3,470+46.3% |
| Admin fee / account holder | $566 | $4,046-86.0% | $5,479-89.7% | $4,887-88.4% |