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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 | $106,543 | $72,177+47.6% | $115,037-7.4% | $59,633+78.7% |
| Participation rate | 85.7% | 72.6%+13.2pp | 81.4%+4.3pp | 68.7%+17.0pp |
| Annual return | -1.80% | 12.02%-13.8pp | 26.14%-27.9pp | 2041.40%-2043.2pp |
| Employer contribution / active EE | $6,009 | $2,841+111.5% | $4,608+30.4% | $2,203+172.8% |
| Participant deferral / active EE | $4,630 | $4,783-3.2% | $6,026-23.2% | $3,192+45.1% |
| Admin fee / account holder | $529 | $4,927-89.3% | $8,175-93.5% | $4,297-87.7% |