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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 | $65,271 | $64,729+0.8% | $112,263-41.9% | $68,490-4.7% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -13.26% | -11.40%-1.9pp | 27.49%-40.8pp | -7.85%-5.4pp |
| Employer contribution / active EE | $9,502 | $2,746+246.0% | $3,636+161.3% | $2,597+265.9% |
| Participant deferral / active EE | $2,772 | $3,566-22.3% | $4,729-41.4% | $4,028-31.2% |
| Admin fee / account holder | $37,360 | $5,222+615.5% | $6,410+482.8% | $5,403+591.5% |