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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 | $77,029 | $53,546+43.9% | $69,890+10.2% | $68,490+12.5% |
| Participation rate | 81.8% | 64.5%+17.3pp | 70.5%+11.3pp | 67.9%+13.9pp |
| Annual return | -17.44% | -13.87%-3.6pp | 190.84%-208.3pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,627 | $2,019+30.1% | $2,560+2.6% | $2,597+1.2% |
| Participant deferral / active EE | $4,872 | $2,957+64.8% | $3,848+26.6% | $4,028+21.0% |
| Admin fee / account holder | $1,334 | $4,693-71.6% | $6,267-78.7% | $5,403-75.3% |