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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 | $68,225 | $65,703+3.8% | $94,228-27.6% | $59,633+14.4% |
| Participation rate | 82.4% | 72.1%+10.2pp | 78.8%+3.6pp | 68.7%+13.7pp |
| Annual return | -1.42% | 5.22%-6.6pp | 10.68%-12.1pp | 2041.40%-2042.8pp |
| Employer contribution / active EE | $5,619 | $2,021+178.1% | $3,587+56.7% | $2,203+155.1% |
| Participant deferral / active EE | $5,904 | $3,143+87.9% | $4,320+36.7% | $3,192+85.0% |
| Admin fee / account holder | $2,708 | $4,264-36.5% | $6,269-56.8% | $4,297-37.0% |