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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 | $89,261 | $77,817+14.7% | $123,553-27.8% | $64,173+39.1% |
| Participation rate | 96.3% | 74.7%+21.6pp | 82.3%+14.0pp | 69.6%+26.7pp |
| Annual return | -2.53% | 12.49%-15.0pp | 119.21%-121.7pp | 7.63%-10.2pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $8,966 | $5,240+71.1% | $6,426+39.5% | $3,470+158.4% |
| Admin fee / account holder | $2,197 | $5,519-60.2% | $9,284-76.3% | $4,887-55.0% |