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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 | $101,247 | $71,873+40.9% | $86,698+16.8% | $68,490+47.8% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -15.33% | 3.54%-18.9pp | 35.96%-51.3pp | -7.85%-7.5pp |
| Employer contribution / active EE | $6,607 | $2,173+204.0% | $2,837+132.9% | $2,597+154.4% |
| Participant deferral / active EE | $3,381 | $3,779-10.5% | $4,656-27.4% | $4,028-16.1% |
| Admin fee / account holder | $2,428 | $6,110-60.3% | $7,492-67.6% | $5,403-55.1% |