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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 | $136,305 | $77,816+75.2% | $123,552+10.3% | $64,173+112.4% |
| Participation rate | 96.6% | 74.7%+21.8pp | 82.3%+14.3pp | 69.6%+27.0pp |
| Annual return | -7.03% | 12.49%-19.5pp | 119.20%-126.2pp | 7.63%-14.7pp |
| Employer contribution / active EE | $4,923 | $3,014+63.3% | $4,628+6.4% | $2,381+106.8% |
| Participant deferral / active EE | $11,002 | $5,240+110.0% | $6,426+71.2% | $3,470+217.1% |
| Admin fee / account holder | $3,664 | $5,519-33.6% | $9,285-60.5% | $4,887-25.0% |