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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 | $99,641 | $73,863+34.9% | $143,797-30.7% | $68,490+45.5% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -15.34% | 0.91%-16.2pp | -0.04%-15.3pp | -7.85%-7.5pp |
| Employer contribution / active EE | $4,791 | $3,185+50.4% | $4,952-3.3% | $2,597+84.5% |
| Participant deferral / active EE | $7,210 | $3,385+113.0% | $5,638+27.9% | $4,028+79.0% |
| Admin fee / account holder | $1,816 | $5,756-68.4% | $14,679-87.6% | $5,403-66.4% |