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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 | $55,942 | $77,817-28.1% | $123,553-54.7% | $64,173-12.8% |
| Participation rate | 85.5% | 74.7%+10.7pp | 82.3%+3.2pp | 69.6%+15.9pp |
| Annual return | -6.69% | 12.49%-19.2pp | 119.21%-125.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $5,888 | $3,014+95.4% | $4,628+27.2% | $2,381+147.3% |
| Participant deferral / active EE | $6,269 | $5,240+19.6% | $6,426-2.4% | $3,470+80.7% |
| Admin fee / account holder | $919 | $5,519-83.3% | $9,284-90.1% | $4,887-81.2% |