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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 | $73,762 | $40,264+83.2% | $57,349+28.6% | $59,633+23.7% |
| Participation rate | 72.4% | 69.2%+3.3pp | 75.1%-2.7pp | 68.7%+3.7pp |
| Annual return | -0.38% | 27.51%-27.9pp | 24.40%-24.8pp | 2041.40%-2041.8pp |
| Employer contribution / active EE | $8,178 | $1,922+325.5% | $2,689+204.1% | $2,203+271.3% |
| Participant deferral / active EE | $4,274 | $2,400+78.1% | $3,162+35.2% | $3,192+33.9% |
| Admin fee / account holder | $303 | $2,819-89.3% | $3,356-91.0% | $4,297-92.9% |