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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 | $24,433 | $64,716-62.2% | $112,258-78.2% | $68,495-64.3% |
| Participation rate | 91.7% | 67.2%+24.5pp | 75.1%+16.6pp | 67.9%+23.8pp |
| Annual return | -19.23% | -11.40%-7.8pp | 27.47%-46.7pp | -7.84%-11.4pp |
| Employer contribution / active EE | $4,060 | $2,746+47.8% | $3,636+11.7% | $2,596+56.4% |
| Participant deferral / active EE | $7,637 | $3,565+114.2% | $4,728+61.5% | $4,028+89.6% |
| Admin fee / account holder | $1,974 | $5,232-62.3% | $6,411-69.2% | $5,403-63.5% |