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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 | $95,343 | $57,352+66.2% | $83,831+13.7% | $64,173+48.6% |
| Participation rate | 92.3% | 68.6%+23.7pp | 76.1%+16.2pp | 69.6%+22.7pp |
| Annual return | -7.10% | 11.38%-18.5pp | 850.99%-858.1pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,415 | $2,546-5.1% | $3,631-33.5% | $2,381+1.4% |
| Participant deferral / active EE | $4,038 | $2,993+34.9% | $4,082-1.1% | $3,470+16.4% |
| Admin fee / account holder | $3,259 | $4,046-19.5% | $5,479-40.5% | $4,887-33.3% |