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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 | $60,647 | $82,028-26.1% | $123,105-50.7% | $59,633+1.7% |
| Participation rate | 76.9% | 83.2%-6.3pp | 86.8%-9.9pp | 68.7%+8.3pp |
| Annual return | -0.05% | 5.12%-5.2pp | 13.22%-13.3pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $9,762 | $3,297+196.1% | $5,151+89.5% | $2,203+343.2% |
| Participant deferral / active EE | $2,416 | $4,667-48.2% | $6,229-61.2% | $3,192-24.3% |
| Admin fee / account holder | $12,490 | $5,879+112.5% | $9,014+38.6% | $4,297+190.7% |