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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 | $156,080 | $73,863+111.3% | $143,797+8.5% | $68,490+127.9% |
| Participation rate | 81.5% | 66.7%+14.8pp | 80.3%+1.2pp | 67.9%+13.6pp |
| Annual return | -15.61% | 0.91%-16.5pp | -0.04%-15.6pp | -7.85%-7.8pp |
| Employer contribution / active EE | $3,792 | $3,185+19.1% | $4,952-23.4% | $2,597+46.0% |
| Participant deferral / active EE | $7,944 | $3,385+134.7% | $5,638+40.9% | $4,028+97.2% |
| Admin fee / account holder | $13,327 | $5,756+131.5% | $14,679-9.2% | $5,403+146.7% |