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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 | $100,432 | $50,947+97.1% | $74,551+34.7% | $64,173+56.5% |
| Participation rate | 77.4% | 61.1%+16.4pp | 69.1%+8.3pp | 69.6%+7.8pp |
| Annual return | -5.86% | -1.85%-4.0pp | 32.53%-38.4pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,927 | $1,115+72.8% | $1,961-1.7% | $2,381-19.1% |
| Participant deferral / active EE | $3,249 | $2,302+41.2% | $3,108+4.5% | $3,470-6.4% |
| Admin fee / account holder | $9,734 | $4,221+130.6% | $5,059+92.4% | $4,887+99.2% |