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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 | $126,760 | $73,863+71.6% | $143,797-11.8% | $68,490+85.1% |
| Participation rate | 73.1% | 66.7%+6.4pp | 80.3%-7.2pp | 67.9%+5.2pp |
| Annual return | -17.26% | 0.91%-18.2pp | -0.04%-17.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $2,527 | $3,185-20.7% | $4,952-49.0% | $2,597-2.7% |
| Participant deferral / active EE | $3,861 | $3,385+14.1% | $5,638-31.5% | $4,028-4.1% |
| Admin fee / account holder | $7,921 | $5,756+37.6% | $14,679-46.0% | $5,403+46.6% |