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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 | $48,242 | $56,339-14.4% | $104,299-53.7% | $68,490-29.6% |
| Participation rate | 98.5% | 63.3%+35.2pp | 73.3%+25.2pp | 67.9%+30.6pp |
| Annual return | -3.98% | -9.19%+5.2pp | 24.62%-28.6pp | -7.85%+3.9pp |
| Employer contribution / active EE | $6,693 | $1,960+241.4% | $3,373+98.4% | $2,597+157.7% |
| Participant deferral / active EE | $3,637 | $3,077+18.2% | $4,626-21.4% | $4,028-9.7% |
| Admin fee / account holder | $660 | $4,902-86.5% | $7,339-91.0% | $5,403-87.8% |