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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 | $70,595 | $77,817-9.3% | $123,553-42.9% | $64,173+10.0% |
| Participation rate | 88.5% | 74.7%+13.8pp | 82.3%+6.2pp | 69.6%+18.9pp |
| Annual return | -8.05% | 12.49%-20.5pp | 119.21%-127.3pp | 7.63%-15.7pp |
| Employer contribution / active EE | $6,779 | $3,014+124.9% | $4,628+46.5% | $2,381+184.7% |
| Participant deferral / active EE | $7,528 | $5,240+43.7% | $6,426+17.1% | $3,470+117.0% |
| Admin fee / account holder | $5,513 | $5,519-0.1% | $9,284-40.6% | $4,887+12.8% |