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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 | $76,448 | $73,839+3.5% | $143,788-46.8% | $68,495+11.6% |
| Participation rate | 98.0% | 66.7%+31.4pp | 80.3%+17.7pp | 67.9%+30.1pp |
| Annual return | -18.77% | 1.01%-19.8pp | -0.03%-18.7pp | -7.84%-10.9pp |
| Employer contribution / active EE | $3,700 | $3,184+16.2% | $4,952-25.3% | $2,596+42.5% |
| Participant deferral / active EE | $5,692 | $3,384+68.2% | $5,638+1.0% | $4,028+41.3% |
| Admin fee / account holder | $4,334 | $5,755-24.7% | $14,675-70.5% | $5,403-19.8% |