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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 | $71,467 | $57,352+24.6% | $83,831-14.7% | $64,173+11.4% |
| Participation rate | 91.2% | 68.6%+22.6pp | 76.1%+15.1pp | 69.6%+21.7pp |
| Annual return | -6.19% | 11.38%-17.6pp | 850.99%-857.2pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,758 | $2,546-30.9% | $3,631-51.6% | $2,381-26.2% |
| Participant deferral / active EE | $4,173 | $2,993+39.4% | $4,082+2.2% | $3,470+20.3% |
| Admin fee / account holder | $1,737 | $4,046-57.1% | $5,479-68.3% | $4,887-64.5% |