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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 | $69,780 | $59,813+16.7% | $79,580-12.3% | $68,486+1.9% |
| Participation rate | 96.7% | 61.1%+35.6pp | 69.5%+27.2pp | 67.9%+28.8pp |
| Annual return | -6.89% | -12.30%+5.4pp | 0.15%-7.0pp | -7.85%+1.0pp |
| Employer contribution / active EE | $5,180 | $1,505+244.1% | $2,413+114.6% | $2,597+99.5% |
| Participant deferral / active EE | $2,349 | $3,024-22.3% | $3,985-41.1% | $4,028-41.7% |
| Admin fee / account holder | $618 | $4,835-87.2% | $6,835-91.0% | $5,404-88.6% |