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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 | $34,357 | $77,817-55.8% | $123,553-72.2% | $64,173-46.5% |
| Participation rate | 96.2% | 74.7%+21.4pp | 82.3%+13.9pp | 69.6%+26.6pp |
| Annual return | -6.67% | 12.49%-19.2pp | 119.21%-125.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $6,723 | $3,014+123.0% | $4,628+45.3% | $2,381+182.4% |
| Participant deferral / active EE | $4,167 | $5,240-20.5% | $6,426-35.2% | $3,470+20.1% |
| Admin fee / account holder | $2,059 | $5,519-62.7% | $9,284-77.8% | $4,887-57.9% |