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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 | $83,596 | $77,816+7.4% | $123,552-32.3% | $64,173+30.3% |
| Participation rate | 83.3% | 74.7%+8.6pp | 82.3%+1.0pp | 69.6%+13.8pp |
| Annual return | -5.13% | 12.49%-17.6pp | 119.20%-124.3pp | 7.63%-12.8pp |
| Employer contribution / active EE | $7,701 | $3,014+155.5% | $4,628+66.4% | $2,381+223.5% |
| Participant deferral / active EE | $2,907 | $5,240-44.5% | $6,426-54.8% | $3,470-16.2% |
| Admin fee / account holder | $1,819 | $5,519-67.0% | $9,285-80.4% | $4,887-62.8% |