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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 | $55,547 | $49,177+13.0% | $79,467-30.1% | $64,173-13.4% |
| Participation rate | 84.6% | 65.0%+19.6pp | 73.3%+11.3pp | 69.6%+15.0pp |
| Annual return | -5.28% | -1.16%-4.1pp | 718.30%-723.6pp | 7.63%-12.9pp |
| Employer contribution / active EE | $4,191 | $2,076+101.9% | $2,800+49.7% | $2,381+76.0% |
| Participant deferral / active EE | $3,991 | $2,821+41.5% | $3,704+7.8% | $3,470+15.0% |
| Admin fee / account holder | $1,189 | $3,839-69.0% | $5,104-76.7% | $4,887-75.7% |