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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 | $79,189 | $77,817+1.8% | $123,553-35.9% | $64,173+23.4% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -4.33% | 12.49%-16.8pp | 119.21%-123.5pp | 7.63%-12.0pp |
| Employer contribution / active EE | $6,749 | $3,014+123.9% | $4,628+45.8% | $2,381+183.5% |
| Participant deferral / active EE | $4,632 | $5,240-11.6% | $6,426-27.9% | $3,470+33.5% |
| Admin fee / account holder | $1,686 | $5,519-69.4% | $9,284-81.8% | $4,887-65.5% |