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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 | $85,424 | $73,863+15.7% | $143,797-40.6% | $68,490+24.7% |
| Participation rate | 96.2% | 66.7%+29.5pp | 80.3%+15.8pp | 67.9%+28.3pp |
| Annual return | -18.16% | 0.91%-19.1pp | -0.04%-18.1pp | -7.85%-10.3pp |
| Employer contribution / active EE | $8,959 | $3,185+181.3% | $4,952+80.9% | $2,597+245.0% |
| Participant deferral / active EE | $5,846 | $3,385+72.7% | $5,638+3.7% | $4,028+45.1% |
| Admin fee / account holder | $1,407 | $5,756-75.6% | $14,679-90.4% | $5,403-74.0% |