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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 | $98,896 | $81,870+20.8% | $119,622-17.3% | $68,486+44.4% |
| Participation rate | 87.1% | 71.9%+15.2pp | 79.3%+7.8pp | 67.9%+19.2pp |
| Annual return | -14.39% | -23.82%+9.4pp | -14.98%+0.6pp | -7.85%-6.5pp |
| Employer contribution / active EE | $5,275 | $2,692+96.0% | $4,232+24.6% | $2,597+103.1% |
| Participant deferral / active EE | $5,047 | $4,148+21.7% | $5,601-9.9% | $4,028+25.3% |
| Admin fee / account holder | $920 | $6,583-86.0% | $10,328-91.1% | $5,404-83.0% |