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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 | $67,288 | $57,352+17.3% | $83,831-19.7% | $64,173+4.9% |
| Participation rate | 80.0% | 68.6%+11.4pp | 76.1%+3.9pp | 69.6%+10.4pp |
| Annual return | -3.64% | 11.38%-15.0pp | 850.99%-854.6pp | 7.63%-11.3pp |
| Employer contribution / active EE | $1,368 | $2,546-46.3% | $3,631-62.3% | $2,381-42.5% |
| Participant deferral / active EE | $1,528 | $2,993-48.9% | $4,082-62.6% | $3,470-56.0% |
| Admin fee / account holder | $4,285 | $4,046+5.9% | $5,479-21.8% | $4,887-12.3% |