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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 | $45,735 | $77,816-41.2% | $123,552-63.0% | $64,173-28.7% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -7.07% | 12.49%-19.6pp | 119.20%-126.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $3,135 | $3,014+4.0% | $4,628-32.3% | $2,381+31.7% |
| Participant deferral / active EE | $5,480 | $5,240+4.6% | $6,426-14.7% | $3,470+57.9% |
| Admin fee / account holder | $659 | $5,519-88.1% | $9,285-92.9% | $4,887-86.5% |