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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 | $72,493 | $81,870-11.5% | $119,634-39.4% | $68,490+5.8% |
| Participation rate | 73.1% | 71.9%+1.2pp | 79.3%-6.2pp | 67.9%+5.2pp |
| Annual return | -17.44% | -23.82%+6.4pp | -14.98%-2.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $4,241 | $2,692+57.5% | $4,232+0.2% | $2,597+63.3% |
| Participant deferral / active EE | $9,231 | $4,148+122.5% | $5,601+64.8% | $4,028+129.2% |
| Admin fee / account holder | $6,516 | $6,583-1.0% | $10,329-36.9% | $5,403+20.6% |