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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 | $78,577 | $71,878+9.3% | $86,698-9.4% | $68,486+14.7% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -16.65% | 3.53%-20.2pp | 35.95%-52.6pp | -7.85%-8.8pp |
| Employer contribution / active EE | $7,748 | $2,173+256.5% | $2,837+173.1% | $2,597+198.4% |
| Participant deferral / active EE | $5,667 | $3,779+50.0% | $4,656+21.7% | $4,028+40.7% |
| Admin fee / account holder | $5,650 | $6,113-7.6% | $7,493-24.6% | $5,404+4.6% |