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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 | $52,430 | $77,816-32.6% | $123,552-57.6% | $64,173-18.3% |
| Participation rate | 96.9% | 74.7%+22.2pp | 82.3%+14.6pp | 69.6%+27.3pp |
| Annual return | -6.95% | 12.49%-19.4pp | 119.20%-126.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $7,298 | $3,014+142.1% | $4,628+57.7% | $2,381+206.5% |
| Participant deferral / active EE | $11,014 | $5,240+110.2% | $6,426+71.4% | $3,470+217.4% |
| Admin fee / account holder | $860 | $5,519-84.4% | $9,285-90.7% | $4,887-82.4% |