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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 | $65,619 | $77,817-15.7% | $123,553-46.9% | $64,173+2.3% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -6.77% | 12.49%-19.3pp | 119.21%-126.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $4,539 | $3,014+50.6% | $4,628-1.9% | $2,381+90.7% |
| Participant deferral / active EE | $6,274 | $5,240+19.7% | $6,426-2.4% | $3,470+80.8% |
| Admin fee / account holder | $7,028 | $5,519+27.3% | $9,284-24.3% | $4,887+43.8% |