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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 | $93,791 | $71,872+30.5% | $86,691+8.2% | $68,495+36.9% |
| Participation rate | 95.0% | 72.2%+22.8pp | 76.6%+18.4pp | 67.9%+27.1pp |
| Annual return | -13.22% | 3.53%-16.8pp | 35.94%-49.2pp | -7.84%-5.4pp |
| Employer contribution / active EE | $1,666 | $2,173-23.3% | $2,837-41.3% | $2,596-35.8% |
| Participant deferral / active EE | $3,874 | $3,779+2.5% | $4,656-16.8% | $4,028-3.8% |
| Admin fee / account holder | $13,619 | $6,112+122.8% | $7,492+81.8% | $5,403+152.0% |