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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 | $99,629 | $77,817+28.0% | $123,553-19.4% | $64,173+55.3% |
| Participation rate | 88.0% | 74.7%+13.3pp | 82.3%+5.7pp | 69.6%+18.4pp |
| Annual return | -3.82% | 12.49%-16.3pp | 119.21%-123.0pp | 7.63%-11.5pp |
| Employer contribution / active EE | $6,440 | $3,014+113.7% | $4,628+39.2% | $2,381+170.5% |
| Participant deferral / active EE | $4,705 | $5,240-10.2% | $6,426-26.8% | $3,470+35.6% |
| Admin fee / account holder | $9,336 | $5,519+69.2% | $9,284+0.6% | $4,887+91.0% |