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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 | $68,022 | $45,872+48.3% | $77,096-11.8% | $68,486-0.7% |
| Participation rate | 91.7% | 55.9%+35.7pp | 67.9%+23.7pp | 67.9%+23.8pp |
| Annual return | -13.91% | 1.73%-15.6pp | 42.35%-56.3pp | -7.85%-6.1pp |
| Employer contribution / active EE | $3,696 | $1,650+124.1% | $2,814+31.3% | $2,597+42.3% |
| Participant deferral / active EE | $6,936 | $2,963+134.1% | $4,429+56.6% | $4,028+72.2% |
| Admin fee / account holder | $5,317 | $3,041+74.8% | $5,428-2.1% | $5,404-1.6% |