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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 | $71,167 | $53,546+32.9% | $69,890+1.8% | $68,490+3.9% |
| Participation rate | 74.3% | 64.5%+9.8pp | 70.5%+3.8pp | 67.9%+6.4pp |
| Annual return | -14.29% | -13.87%-0.4pp | 190.84%-205.1pp | -7.85%-6.4pp |
| Employer contribution / active EE | $2,763 | $2,019+36.9% | $2,560+7.9% | $2,597+6.4% |
| Participant deferral / active EE | $2,021 | $2,957-31.7% | $3,848-47.5% | $4,028-49.8% |
| Admin fee / account holder | $725 | $4,693-84.6% | $6,267-88.4% | $5,403-86.6% |