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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 | $81,549 | $77,816+4.8% | $123,549-34.0% | $64,181+27.1% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -7.91% | 12.49%-20.4pp | 119.20%-127.1pp | 7.63%-15.5pp |
| Employer contribution / active EE | $3,745 | $3,014+24.2% | $4,628-19.1% | $2,381+57.3% |
| Participant deferral / active EE | $11,655 | $5,240+122.4% | $6,426+81.4% | $3,470+235.9% |
| Admin fee / account holder | $901 | $5,519-83.7% | $9,284-90.3% | $4,887-81.6% |