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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 | $88,907 | $77,817+14.3% | $123,553-28.0% | $64,173+38.5% |
| Participation rate | 92.3% | 74.7%+17.6pp | 82.3%+10.0pp | 69.6%+22.7pp |
| Annual return | -3.96% | 12.49%-16.4pp | 119.21%-123.2pp | 7.63%-11.6pp |
| Employer contribution / active EE | $4,950 | $3,014+64.2% | $4,628+7.0% | $2,381+107.9% |
| Participant deferral / active EE | $9,949 | $5,240+89.9% | $6,426+54.8% | $3,470+186.7% |
| Admin fee / account holder | $2,065 | $5,519-62.6% | $9,284-77.8% | $4,887-57.7% |