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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 | $64,024 | $57,352+11.6% | $83,830-23.6% | $64,173-0.2% |
| Participation rate | 92.0% | 68.6%+23.4pp | 76.1%+15.9pp | 69.6%+22.4pp |
| Annual return | -1.26% | 11.38%-12.6pp | 850.97%-852.2pp | 7.63%-8.9pp |
| Employer contribution / active EE | $2,624 | $2,546+3.1% | $3,631-27.7% | $2,381+10.2% |
| Participant deferral / active EE | $5,890 | $2,993+96.8% | $4,082+44.3% | $3,470+69.7% |
| Admin fee / account holder | $1,065 | $4,046-73.7% | $5,479-80.6% | $4,887-78.2% |