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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 | $125,802 | $110,083+14.3% | $151,645-17.0% | $68,490+83.7% |
| Participation rate | 78.1% | 84.0%-5.8pp | 87.5%-9.4pp | 67.9%+10.2pp |
| Annual return | -18.31% | -10.12%-8.2pp | 3.34%-21.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $3,598 | $4,470-19.5% | $6,165-41.6% | $2,597+38.6% |
| Participant deferral / active EE | $6,450 | $6,526-1.2% | $8,363-22.9% | $4,028+60.1% |
| Admin fee / account holder | $1,155 | $7,718-85.0% | $11,614-90.1% | $5,403-78.6% |