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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 | $102,244 | $56,339+81.5% | $104,301-2.0% | $68,486+49.3% |
| Participation rate | 89.2% | 63.3%+25.9pp | 73.3%+15.9pp | 67.9%+21.3pp |
| Annual return | -16.14% | -9.19%-7.0pp | 24.61%-40.8pp | -7.85%-8.3pp |
| Employer contribution / active EE | $16,482 | $1,960+740.9% | $3,373+388.7% | $2,597+534.8% |
| Participant deferral / active EE | $12,614 | $3,077+309.9% | $4,626+172.7% | $4,028+213.2% |
| Admin fee / account holder | $14,458 | $4,902+195.0% | $7,340+97.0% | $5,404+167.6% |