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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 | $75,854 | $77,817-2.5% | $123,553-38.6% | $64,173+18.2% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -6.77% | 12.49%-19.3pp | 119.21%-126.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $2,900 | $3,014-3.8% | $4,628-37.3% | $2,381+21.8% |
| Participant deferral / active EE | $3,715 | $5,240-29.1% | $6,426-42.2% | $3,470+7.1% |
| Admin fee / account holder | $683 | $5,519-87.6% | $9,284-92.6% | $4,887-86.0% |