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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 | $128,495 | $73,863+74.0% | $143,797-10.6% | $68,490+87.6% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -16.41% | 0.91%-17.3pp | -0.04%-16.4pp | -7.85%-8.6pp |
| Employer contribution / active EE | $6,806 | $3,185+113.7% | $4,952+37.4% | $2,597+162.1% |
| Participant deferral / active EE | $4,737 | $3,385+39.9% | $5,638-16.0% | $4,028+17.6% |
| Admin fee / account holder | $5,183 | $5,756-9.9% | $14,679-64.7% | $5,403-4.1% |