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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 | $79,417 | $64,716+22.7% | $112,258-29.3% | $68,495+15.9% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -12.59% | -11.40%-1.2pp | 27.47%-40.1pp | -7.84%-4.7pp |
| Employer contribution / active EE | $6,874 | $2,746+150.3% | $3,636+89.1% | $2,596+164.7% |
| Participant deferral / active EE | $3,325 | $3,565-6.7% | $4,728-29.7% | $4,028-17.4% |
| Admin fee / account holder | $627 | $5,232-88.0% | $6,411-90.2% | $5,403-88.4% |