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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 | $73,042 | $64,719+12.9% | $112,249-34.9% | $68,486+6.7% |
| Participation rate | 96.0% | 67.2%+28.8pp | 75.1%+20.9pp | 67.9%+28.1pp |
| Annual return | -17.01% | -11.40%-5.6pp | 27.48%-44.5pp | -7.85%-9.2pp |
| Employer contribution / active EE | $6,318 | $2,747+130.0% | $3,636+73.8% | $2,597+143.3% |
| Participant deferral / active EE | $10,170 | $3,565+185.3% | $4,729+115.1% | $4,028+152.5% |
| Admin fee / account holder | $7,058 | $5,232+34.9% | $6,412+10.1% | $5,404+30.6% |