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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 | $64,642 | $77,816-16.9% | $123,552-47.7% | $64,173+0.7% |
| Participation rate | 98.1% | 74.7%+23.4pp | 82.3%+15.8pp | 69.6%+28.5pp |
| Annual return | -7.45% | 12.49%-19.9pp | 119.20%-126.6pp | 7.63%-15.1pp |
| Employer contribution / active EE | $5,896 | $3,014+95.6% | $4,628+27.4% | $2,381+147.6% |
| Participant deferral / active EE | $7,528 | $5,240+43.7% | $6,426+17.2% | $3,470+117.0% |
| Admin fee / account holder | $1,138 | $5,519-79.4% | $9,285-87.7% | $4,887-76.7% |