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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 | $52,995 | $49,280+7.5% | $67,313-21.3% | $64,173-17.4% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -6.99% | -1.39%-5.6pp | -4.08%-2.9pp | 7.63%-14.6pp |
| Employer contribution / active EE | $5,810 | $1,668+248.2% | $2,566+126.5% | $2,381+144.0% |
| Participant deferral / active EE | $9,429 | $2,484+279.6% | $3,568+164.2% | $3,470+171.7% |
| Admin fee / account holder | $6,899 | $3,863+78.6% | $4,507+53.1% | $4,887+41.2% |