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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 | $97,051 | $77,817+24.7% | $123,553-21.4% | $64,173+51.2% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -6.18% | 12.49%-18.7pp | 119.21%-125.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $7,723 | $3,014+156.3% | $4,628+66.9% | $2,381+224.4% |
| Participant deferral / active EE | $6,592 | $5,240+25.8% | $6,426+2.6% | $3,470+90.0% |
| Admin fee / account holder | $2,001 | $5,519-63.7% | $9,284-78.4% | $4,887-59.0% |