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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 | $48,378 | $77,817-37.8% | $123,553-60.8% | $64,173-24.6% |
| Participation rate | 92.7% | 74.7%+18.0pp | 82.3%+10.4pp | 69.6%+23.1pp |
| Annual return | -7.14% | 12.49%-19.6pp | 119.21%-126.3pp | 7.63%-14.8pp |
| Employer contribution / active EE | $7,047 | $3,014+133.8% | $4,628+52.3% | $2,381+196.0% |
| Participant deferral / active EE | $6,147 | $5,240+17.3% | $6,426-4.3% | $3,470+77.2% |
| Admin fee / account holder | $2,247 | $5,519-59.3% | $9,284-75.8% | $4,887-54.0% |