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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 | $67,138 | $73,019-8.1% | $90,766-26.0% | $68,490-2.0% |
| Participation rate | 96.2% | 70.8%+25.3pp | 75.7%+20.5pp | 67.9%+28.3pp |
| Annual return | -14.51% | -13.81%-0.7pp | -12.16%-2.4pp | -7.85%-6.7pp |
| Employer contribution / active EE | $656 | $2,193-70.1% | $2,922-77.5% | $2,597-74.7% |
| Participant deferral / active EE | $6,440 | $3,626+77.6% | $4,565+41.1% | $4,028+59.9% |
| Admin fee / account holder | $9,851 | $5,897+67.1% | $8,446+16.6% | $5,403+82.3% |