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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 | $134,802 | $45,872+193.9% | $77,096+74.9% | $68,486+96.8% |
| Participation rate | 80.9% | 55.9%+24.9pp | 67.9%+12.9pp | 67.9%+13.0pp |
| Annual return | -13.56% | 1.73%-15.3pp | 42.35%-55.9pp | -7.85%-5.7pp |
| Employer contribution / active EE | $7,579 | $1,650+359.5% | $2,814+169.3% | $2,597+191.9% |
| Participant deferral / active EE | $16,235 | $2,963+448.0% | $4,429+266.6% | $4,028+303.1% |
| Admin fee / account holder | $6,223 | $3,041+104.6% | $5,428+14.6% | $5,404+15.2% |