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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 | $78,151 | $50,947+53.4% | $74,551+4.8% | $64,173+21.8% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -7.96% | -1.85%-6.1pp | 32.53%-40.5pp | 7.63%-15.6pp |
| Employer contribution / active EE | $2,190 | $1,115+96.3% | $1,961+11.7% | $2,381-8.0% |
| Participant deferral / active EE | $7,079 | $2,302+207.6% | $3,108+127.7% | $3,470+104.0% |
| Admin fee / account holder | $2,725 | $4,221-35.5% | $5,059-46.1% | $4,887-44.3% |