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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 | $68,052 | $52,678+29.2% | $75,784-10.2% | $59,633+14.1% |
| Participation rate | 92.0% | 67.2%+24.8pp | 75.8%+16.2pp | 68.7%+23.3pp |
| Annual return | -2.59% | 2.95%-5.5pp | 9.68%-12.3pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $2,251 | $2,193+2.6% | $3,323-32.3% | $2,203+2.2% |
| Participant deferral / active EE | $3,622 | $2,591+39.8% | $3,652-0.8% | $3,192+13.5% |
| Admin fee / account holder | $6,078 | $3,610+68.4% | $5,300+14.7% | $4,297+41.5% |