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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 | $86,290 | $77,816+10.9% | $123,552-30.2% | $64,173+34.5% |
| Participation rate | 97.9% | 74.7%+23.2pp | 82.3%+15.6pp | 69.6%+28.3pp |
| Annual return | -6.35% | 12.49%-18.8pp | 119.20%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $3,981 | $3,014+32.1% | $4,628-14.0% | $2,381+67.2% |
| Participant deferral / active EE | $9,170 | $5,240+75.0% | $6,426+42.7% | $3,470+164.3% |
| Admin fee / account holder | $11,533 | $5,519+109.0% | $9,285+24.2% | $4,887+136.0% |