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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 | $34,725 | $90,448-61.6% | $93,786-63.0% | $134,545-74.2% |
| Participation rate | 88.2% | 82.0%+6.3pp | 81.0%+7.2pp | 81.2%+7.0pp |
| Annual return | -8.08% | -15.71%+7.6pp | -11.32%+3.2pp | 418.37%-426.4pp |
| Employer contribution / active EE | $8,859 | $4,349+103.7% | $4,328+104.7% | $4,742+86.8% |
| Participant deferral / active EE | $12,059 | $5,983+101.6% | $6,100+97.7% | $6,401+88.4% |
| Admin fee / account holder | $4,921 | $9,232-46.7% | $7,184-31.5% | $11,431-57.0% |