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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 | $59,706 | $64,729-7.8% | $112,263-46.8% | $68,490-12.8% |
| Participation rate | 88.5% | 67.2%+21.3pp | 75.1%+13.4pp | 67.9%+20.6pp |
| Annual return | -13.40% | -11.40%-2.0pp | 27.49%-40.9pp | -7.85%-5.5pp |
| Employer contribution / active EE | $9,595 | $2,746+249.4% | $3,636+163.9% | $2,597+269.5% |
| Participant deferral / active EE | $8,069 | $3,566+126.3% | $4,729+70.6% | $4,028+100.3% |
| Admin fee / account holder | $1,205 | $5,222-76.9% | $6,410-81.2% | $5,403-77.7% |