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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 | $68,944 | $81,870-15.8% | $119,622-42.4% | $68,486+0.7% |
| Participation rate | 94.6% | 71.9%+22.7pp | 79.3%+15.3pp | 67.9%+26.7pp |
| Annual return | -13.54% | -23.82%+10.3pp | -14.98%+1.4pp | -7.85%-5.7pp |
| Employer contribution / active EE | $4,758 | $2,692+76.8% | $4,232+12.4% | $2,597+83.2% |
| Participant deferral / active EE | $4,038 | $4,148-2.7% | $5,601-27.9% | $4,028+0.3% |
| Admin fee / account holder | $459 | $6,583-93.0% | $10,328-95.6% | $5,404-91.5% |