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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 | $139,568 | $72,177+93.4% | $115,038+21.3% | $59,633+134.0% |
| Participation rate | 86.2% | 72.6%+13.7pp | 81.4%+4.8pp | 68.7%+17.5pp |
| Annual return | -2.03% | 12.02%-14.0pp | 26.14%-28.2pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $4,097 | $2,841+44.2% | $4,608-11.1% | $2,203+86.0% |
| Participant deferral / active EE | $11,073 | $4,783+131.5% | $6,026+83.7% | $3,192+246.9% |
| Admin fee / account holder | $8,723 | $4,927+77.0% | $8,175+6.7% | $4,297+103.0% |