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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 | $129,462 | $64,716+100.0% | $112,258+15.3% | $68,495+89.0% |
| Participation rate | 94.9% | 67.2%+27.7pp | 75.1%+19.8pp | 67.9%+27.0pp |
| Annual return | -15.23% | -11.40%-3.8pp | 27.47%-42.7pp | -7.84%-7.4pp |
| Employer contribution / active EE | $2,124 | $2,746-22.6% | $3,636-41.6% | $2,596-18.2% |
| Participant deferral / active EE | $7,305 | $3,565+104.9% | $4,728+54.5% | $4,028+81.4% |
| Admin fee / account holder | $2,173 | $5,232-58.5% | $6,411-66.1% | $5,403-59.8% |