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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 | $89,203 | $73,839+20.8% | $143,788-38.0% | $68,495+30.2% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -15.00% | 1.01%-16.0pp | -0.03%-15.0pp | -7.84%-7.2pp |
| Employer contribution / active EE | $6,414 | $3,184+101.4% | $4,952+29.5% | $2,596+147.0% |
| Participant deferral / active EE | $4,888 | $3,384+44.4% | $5,638-13.3% | $4,028+21.4% |
| Admin fee / account holder | $1,635 | $5,755-71.6% | $14,675-88.9% | $5,403-69.7% |