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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 | $65,872 | $65,704+0.3% | $94,229-30.1% | $59,633+10.5% |
| Participation rate | 90.0% | 72.1%+17.9pp | 78.8%+11.2pp | 68.7%+21.3pp |
| Annual return | -0.25% | 5.22%-5.5pp | 10.68%-10.9pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $5,168 | $2,021+155.8% | $3,587+44.1% | $2,203+134.6% |
| Participant deferral / active EE | $6,714 | $3,143+113.6% | $4,320+55.4% | $3,192+110.3% |
| Admin fee / account holder | $4,896 | $4,265+14.8% | $6,269-21.9% | $4,297+13.9% |