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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 | $123,978 | $57,352+116.2% | $83,831+47.9% | $64,173+93.2% |
| Participation rate | 88.9% | 68.6%+20.3pp | 76.1%+12.7pp | 69.6%+19.3pp |
| Annual return | -5.25% | 11.38%-16.6pp | 850.99%-856.2pp | 7.63%-12.9pp |
| Employer contribution / active EE | $2,297 | $2,546-9.8% | $3,631-36.8% | $2,381-3.5% |
| Participant deferral / active EE | $3,707 | $2,993+23.9% | $4,082-9.2% | $3,470+6.8% |
| Admin fee / account holder | $12,277 | $4,046+203.4% | $5,479+124.1% | $4,887+151.2% |