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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 | $131,080 | $46,697+180.7% | $117,533+11.5% | $68,486+91.4% |
| Participation rate | 72.4% | 56.8%+15.6pp | 70.6%+1.8pp | 67.9%+4.5pp |
| Annual return | -17.08% | -14.52%-2.6pp | 29.77%-46.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $5,656 | $1,506+275.7% | $4,179+35.3% | $2,597+117.8% |
| Participant deferral / active EE | $10,497 | $2,637+298.0% | $4,072+157.8% | $4,028+160.6% |
| Admin fee / account holder | $5,803 | $4,023+44.3% | $5,647+2.8% | $5,404+7.4% |