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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 | $92,261 | $69,012+33.7% | $160,009-42.3% | $68,486+34.7% |
| Participation rate | 72.0% | 65.4%+6.6pp | 78.0%-6.0pp | 67.9%+4.1pp |
| Annual return | -16.71% | -9.65%-7.1pp | 408.85%-425.6pp | -7.85%-8.9pp |
| Employer contribution / active EE | $4,479 | $2,212+102.4% | $4,225+6.0% | $2,597+72.5% |
| Participant deferral / active EE | $8,965 | $4,212+112.9% | $6,183+45.0% | $4,028+122.6% |
| Admin fee / account holder | $357 | $4,798-92.6% | $8,715-95.9% | $5,404-93.4% |