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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 | $91,387 | $45,872+99.2% | $77,081+18.6% | $68,495+33.4% |
| Participation rate | 91.7% | 55.9%+35.7pp | 67.9%+23.8pp | 67.9%+23.8pp |
| Annual return | -8.72% | 1.73%-10.4pp | 42.33%-51.0pp | -7.84%-0.9pp |
| Employer contribution / active EE | $2,685 | $1,650+62.8% | $2,813-4.6% | $2,596+3.4% |
| Participant deferral / active EE | $5,513 | $2,963+86.1% | $4,428+24.5% | $4,028+36.9% |
| Admin fee / account holder | $547 | $3,041-82.0% | $5,427-89.9% | $5,403-89.9% |