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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 | $37,762 | $107,809-65.0% | $90,657-58.3% | $135,380-72.1% |
| Participation rate | 95.2% | 78.0%+17.2pp | 74.0%+21.2pp | 82.6%+12.6pp |
| Annual return | -6.74% | -0.90%-5.8pp | 1.89%-8.6pp | 519.81%-526.5pp |
| Employer contribution / active EE | $4,410 | $3,018+46.1% | $2,532+74.2% | $4,779-7.7% |
| Participant deferral / active EE | $2,961 | $3,872-23.5% | $3,424-13.5% | $5,609-47.2% |
| Admin fee / account holder | $5,200 | $5,931-12.3% | $4,994+4.1% | $10,828-52.0% |