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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 | $122,523 | $81,870+49.7% | $119,634+2.4% | $68,490+78.9% |
| Participation rate | 78.6% | 71.9%+6.7pp | 79.3%-0.7pp | 67.9%+10.7pp |
| Annual return | -14.70% | -23.82%+9.1pp | -14.98%+0.3pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,976 | $2,692-26.6% | $4,232-53.3% | $2,597-23.9% |
| Participant deferral / active EE | $3,677 | $4,148-11.3% | $5,601-34.3% | $4,028-8.7% |
| Admin fee / account holder | $4,667 | $6,583-29.1% | $10,329-54.8% | $5,403-13.6% |