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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 | $91,368 | $72,404+26.2% | $110,243-17.1% | $64,173+42.4% |
| Participation rate | 96.7% | 73.3%+23.3pp | 79.8%+16.8pp | 69.6%+27.1pp |
| Annual return | -4.31% | -6.29%+2.0pp | 314.76%-319.1pp | 7.63%-11.9pp |
| Employer contribution / active EE | $8,858 | $2,282+288.2% | $3,827+131.5% | $2,381+272.0% |
| Participant deferral / active EE | $4,723 | $3,469+36.1% | $4,672+1.1% | $3,470+36.1% |
| Admin fee / account holder | $7,216 | $5,664+27.4% | $8,548-15.6% | $4,887+47.6% |