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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 | $55,002 | $77,817-29.3% | $123,553-55.5% | $64,173-14.3% |
| Participation rate | 96.4% | 74.7%+21.7pp | 82.3%+14.1pp | 69.6%+26.8pp |
| Annual return | -7.20% | 12.49%-19.7pp | 119.21%-126.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $4,427 | $3,014+46.9% | $4,628-4.3% | $2,381+86.0% |
| Participant deferral / active EE | $5,751 | $5,240+9.7% | $6,426-10.5% | $3,470+65.7% |
| Admin fee / account holder | $8,907 | $5,519+61.4% | $9,284-4.1% | $4,887+82.2% |