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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 | $64,048 | $77,816-17.7% | $123,549-48.2% | $64,181-0.2% |
| Participation rate | 84.6% | 74.7%+9.9pp | 82.3%+2.3pp | 69.6%+15.0pp |
| Annual return | -7.18% | 12.49%-19.7pp | 119.20%-126.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $3,753 | $3,014+24.5% | $4,628-18.9% | $2,381+57.6% |
| Participant deferral / active EE | $8,829 | $5,240+68.5% | $6,426+37.4% | $3,470+154.5% |
| Admin fee / account holder | $4,104 | $5,519-25.6% | $9,284-55.8% | $4,887-16.0% |