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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 | $53,019 | $52,836+0.3% | $105,736-49.9% | $64,173-17.4% |
| Participation rate | 100.0% | 66.5%+33.5pp | 76.3%+23.7pp | 69.6%+30.4pp |
| Annual return | -5.99% | 14.30%-20.3pp | 6.27%-12.3pp | 7.63%-13.6pp |
| Employer contribution / active EE | $4,528 | $1,827+147.9% | $3,268+38.6% | $2,381+90.2% |
| Participant deferral / active EE | $5,851 | $2,545+129.8% | $4,080+43.4% | $3,470+68.6% |
| Admin fee / account holder | $1,796 | $3,959-54.6% | $6,913-74.0% | $4,887-63.2% |