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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 | $78,127 | $85,790-8.9% | $67,313+16.1% | $135,380-42.3% |
| Participation rate | 83.3% | 76.5%+6.9pp | 69.1%+14.3pp | 82.6%+0.7pp |
| Annual return | -7.75% | -0.54%-7.2pp | -4.08%-3.7pp | 519.81%-527.6pp |
| Employer contribution / active EE | $6,317 | $3,487+81.1% | $2,566+146.2% | $4,779+32.2% |
| Participant deferral / active EE | $12,702 | $4,651+173.1% | $3,568+256.0% | $5,609+126.5% |
| Admin fee / account holder | $6,282 | $6,392-1.7% | $4,507+39.4% | $10,828-42.0% |