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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 | $60,741 | $64,719-6.1% | $112,249-45.9% | $68,486-11.3% |
| Participation rate | 92.9% | 67.2%+25.7pp | 75.1%+17.8pp | 67.9%+25.0pp |
| Annual return | -16.71% | -11.40%-5.3pp | 27.48%-44.2pp | -7.85%-8.9pp |
| Employer contribution / active EE | $11,009 | $2,747+300.8% | $3,636+202.8% | $2,597+324.0% |
| Participant deferral / active EE | $5,792 | $3,565+62.5% | $4,729+22.5% | $4,028+43.8% |
| Admin fee / account holder | $3,493 | $5,232-33.2% | $6,412-45.5% | $5,404-35.4% |