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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 | $64,355 | $57,352+12.2% | $83,830-23.2% | $64,173+0.3% |
| Participation rate | 73.5% | 68.6%+4.9pp | 76.1%-2.7pp | 69.6%+3.9pp |
| Annual return | -5.21% | 11.38%-16.6pp | 850.97%-856.2pp | 7.63%-12.8pp |
| Employer contribution / active EE | $2,771 | $2,546+8.9% | $3,631-23.7% | $2,381+16.4% |
| Participant deferral / active EE | $7,360 | $2,993+145.9% | $4,082+80.3% | $3,470+112.1% |
| Admin fee / account holder | $4,228 | $4,046+4.5% | $5,479-22.8% | $4,887-13.5% |