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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 | $64,507 | $77,817-17.1% | $123,553-47.8% | $64,173+0.5% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -3.72% | 12.49%-16.2pp | 119.21%-122.9pp | 7.63%-11.3pp |
| Employer contribution / active EE | $7,432 | $3,014+146.6% | $4,628+60.6% | $2,381+212.2% |
| Participant deferral / active EE | $2,481 | $5,240-52.7% | $6,426-61.4% | $3,470-28.5% |
| Admin fee / account holder | $2,760 | $5,519-50.0% | $9,284-70.3% | $4,887-43.5% |