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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 | $128,962 | $59,813+115.6% | $79,580+62.1% | $68,486+88.3% |
| Participation rate | 75.8% | 61.1%+14.7pp | 69.5%+6.3pp | 67.9%+7.9pp |
| Annual return | -17.86% | -12.30%-5.6pp | 0.15%-18.0pp | -7.85%-10.0pp |
| Employer contribution / active EE | $2,366 | $1,505+57.2% | $2,413-2.0% | $2,597-8.9% |
| Participant deferral / active EE | $5,219 | $3,024+72.6% | $3,985+31.0% | $4,028+29.6% |
| Admin fee / account holder | $2,156 | $4,835-55.4% | $6,835-68.5% | $5,404-60.1% |