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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 | $82,992 | $81,870+1.4% | $119,634-30.6% | $68,490+21.2% |
| Participation rate | 100.0% | 71.9%+28.1pp | 79.3%+20.7pp | 67.9%+32.1pp |
| Annual return | -17.16% | -23.82%+6.7pp | -14.98%-2.2pp | -7.85%-9.3pp |
| Employer contribution / active EE | $2,862 | $2,692+6.3% | $4,232-32.4% | $2,597+10.2% |
| Participant deferral / active EE | $5,752 | $4,148+38.7% | $5,601+2.7% | $4,028+42.8% |
| Admin fee / account holder | $7,577 | $6,583+15.1% | $10,329-26.6% | $5,403+40.2% |