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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 | $89,312 | $77,817+14.8% | $123,553-27.7% | $64,173+39.2% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -4.78% | 12.49%-17.3pp | 119.21%-124.0pp | 7.63%-12.4pp |
| Employer contribution / active EE | $2,945 | $3,014-2.3% | $4,628-36.4% | $2,381+23.7% |
| Participant deferral / active EE | $6,892 | $5,240+31.5% | $6,426+7.3% | $3,470+98.6% |
| Admin fee / account holder | $3,457 | $5,519-37.4% | $9,284-62.8% | $4,887-29.3% |