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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 | $122,593 | $61,660+98.8% | $80,022+53.2% | $64,173+91.0% |
| Participation rate | 100.0% | 71.7%+28.3pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | -5.63% | -0.33%-5.3pp | 11.22%-16.8pp | 7.63%-13.3pp |
| Employer contribution / active EE | $3,292 | $1,810+81.8% | $2,468+33.4% | $2,381+38.3% |
| Participant deferral / active EE | $5,430 | $2,968+83.0% | $3,686+47.3% | $3,470+56.5% |
| Admin fee / account holder | $1,916 | $5,417-64.6% | $6,521-70.6% | $4,887-60.8% |