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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 | $68,353 | $77,817-12.2% | $123,553-44.7% | $64,173+6.5% |
| Participation rate | 97.1% | 74.7%+22.3pp | 82.3%+14.8pp | 69.6%+27.5pp |
| Annual return | -6.55% | 12.49%-19.0pp | 119.21%-125.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $5,998 | $3,014+99.0% | $4,628+29.6% | $2,381+151.9% |
| Participant deferral / active EE | $5,619 | $5,240+7.2% | $6,426-12.6% | $3,470+61.9% |
| Admin fee / account holder | $507 | $5,519-90.8% | $9,284-94.5% | $4,887-89.6% |