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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 | $148,627 | $71,873+106.8% | $86,698+71.4% | $68,490+117.0% |
| Participation rate | 86.4% | 72.2%+14.2pp | 76.6%+9.9pp | 67.9%+18.5pp |
| Annual return | -11.09% | 3.54%-14.6pp | 35.96%-47.1pp | -7.85%-3.2pp |
| Employer contribution / active EE | $4,637 | $2,173+113.4% | $2,837+63.5% | $2,597+78.6% |
| Participant deferral / active EE | $3,839 | $3,779+1.6% | $4,656-17.5% | $4,028-4.7% |
| Admin fee / account holder | $1,099 | $6,110-82.0% | $7,492-85.3% | $5,403-79.7% |