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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 | $104,153 | $72,177+44.3% | $115,037-9.5% | $59,633+74.7% |
| Participation rate | 96.3% | 72.6%+23.7pp | 81.4%+14.9pp | 68.7%+27.6pp |
| Annual return | -2.10% | 12.02%-14.1pp | 26.14%-28.2pp | 2041.40%-2043.5pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $11,520 | $4,783+140.9% | $6,026+91.2% | $3,192+260.9% |
| Admin fee / account holder | $392 | $4,927-92.0% | $8,175-95.2% | $4,297-90.9% |