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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 | $51,208 | $77,817-34.2% | $123,553-58.6% | $64,173-20.2% |
| Participation rate | 83.7% | 74.7%+9.0pp | 82.3%+1.4pp | 69.6%+14.1pp |
| Annual return | -0.33% | 12.49%-12.8pp | 119.21%-119.5pp | 7.63%-8.0pp |
| Employer contribution / active EE | $4,939 | $3,014+63.9% | $4,628+6.7% | $2,381+107.4% |
| Participant deferral / active EE | $9,996 | $5,240+90.8% | $6,426+55.6% | $3,470+188.1% |
| Admin fee / account holder | $11,839 | $5,519+114.5% | $9,284+27.5% | $4,887+142.2% |