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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 | $167,182 | $75,962+120.1% | $154,108+8.5% | $64,173+160.5% |
| Participation rate | 96.2% | 70.4%+25.7pp | 83.0%+13.1pp | 69.6%+26.6pp |
| Annual return | -7.05% | 30.32%-37.4pp | 735.21%-742.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $4,507 | $3,350+34.5% | $5,298-14.9% | $2,381+89.3% |
| Participant deferral / active EE | $8,648 | $3,175+172.4% | $5,081+70.2% | $3,470+149.2% |
| Admin fee / account holder | $2,542 | $5,589-54.5% | $13,411-81.0% | $4,887-48.0% |