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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 | $145,249 | $71,480+103.2% | $90,782+60.0% | $64,173+126.3% |
| Participation rate | 79.5% | 77.6%+1.9pp | 82.7%-3.2pp | 69.6%+9.9pp |
| Annual return | -7.02% | -4.25%-2.8pp | -3.42%-3.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $7,633 | $3,415+123.5% | $4,105+85.9% | $2,381+220.6% |
| Participant deferral / active EE | $2,484 | $4,302-42.3% | $5,366-53.7% | $3,470-28.4% |
| Admin fee / account holder | $1,340 | $6,309-78.8% | $5,908-77.3% | $4,887-72.6% |