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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 | $119,058 | $77,817+53.0% | $123,553-3.6% | $64,173+85.5% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -6.92% | 12.49%-19.4pp | 119.21%-126.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $5,548 | $3,014+84.1% | $4,628+19.9% | $2,381+133.0% |
| Participant deferral / active EE | $6,719 | $5,240+28.2% | $6,426+4.6% | $3,470+93.6% |
| Admin fee / account holder | $5,695 | $5,519+3.2% | $9,284-38.7% | $4,887+16.5% |