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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 | $53,510 | $64,729-17.3% | $112,263-52.3% | $68,490-21.9% |
| Participation rate | 81.5% | 67.2%+14.3pp | 75.1%+6.4pp | 67.9%+13.6pp |
| Annual return | -19.20% | -11.40%-7.8pp | 27.49%-46.7pp | -7.85%-11.4pp |
| Employer contribution / active EE | $3,033 | $2,746+10.5% | $3,636-16.6% | $2,597+16.8% |
| Participant deferral / active EE | $8,583 | $3,566+140.7% | $4,729+81.5% | $4,028+113.1% |
| Admin fee / account holder | $2,106 | $5,222-59.7% | $6,410-67.1% | $5,403-61.0% |