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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 | $100,700 | $61,660+63.3% | $80,022+25.8% | $64,173+56.9% |
| Participation rate | 100.0% | 71.7%+28.3pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | -4.74% | -0.33%-4.4pp | 11.22%-16.0pp | 7.63%-12.4pp |
| Employer contribution / active EE | $3,177 | $1,810+75.5% | $2,468+28.7% | $2,381+33.5% |
| Participant deferral / active EE | $3,576 | $2,968+20.5% | $3,686-3.0% | $3,470+3.1% |
| Admin fee / account holder | $2,896 | $5,417-46.5% | $6,521-55.6% | $4,887-40.8% |