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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 | $97,261 | $77,817+25.0% | $123,553-21.3% | $64,173+51.6% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -6.63% | 12.49%-19.1pp | 119.21%-125.8pp | 7.63%-14.3pp |
| Employer contribution / active EE | $10,517 | $3,014+248.9% | $4,628+127.2% | $2,381+341.7% |
| Participant deferral / active EE | $10,712 | $5,240+104.4% | $6,426+66.7% | $3,470+208.7% |
| Admin fee / account holder | $3,154 | $5,519-42.8% | $9,284-66.0% | $4,887-35.5% |