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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 | $67,127 | $64,729+3.7% | $112,263-40.2% | $68,490-2.0% |
| Participation rate | 84.0% | 67.2%+16.8pp | 75.1%+8.9pp | 67.9%+16.1pp |
| Annual return | -13.86% | -11.40%-2.5pp | 27.49%-41.3pp | -7.85%-6.0pp |
| Employer contribution / active EE | $6,994 | $2,746+154.7% | $3,636+92.3% | $2,597+169.3% |
| Participant deferral / active EE | $6,398 | $3,566+79.4% | $4,729+35.3% | $4,028+58.9% |
| Admin fee / account holder | $2,400 | $5,222-54.0% | $6,410-62.6% | $5,403-55.6% |