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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 | $109,502 | $59,819+83.1% | $79,583+37.6% | $68,490+59.9% |
| Participation rate | 85.3% | 61.1%+24.2pp | 69.5%+15.8pp | 67.9%+17.4pp |
| Annual return | -18.57% | -12.30%-6.3pp | 0.16%-18.7pp | -7.85%-10.7pp |
| Employer contribution / active EE | $4,434 | $1,505+194.6% | $2,414+83.7% | $2,597+70.8% |
| Participant deferral / active EE | $5,478 | $3,025+81.1% | $3,986+37.4% | $4,028+36.0% |
| Admin fee / account holder | $9,297 | $4,835+92.3% | $6,835+36.0% | $5,403+72.1% |