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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 | $90,905 | $64,729+40.4% | $112,263-19.0% | $68,490+32.7% |
| Participation rate | 94.0% | 67.2%+26.8pp | 75.1%+18.9pp | 67.9%+26.1pp |
| Annual return | -15.36% | -11.40%-4.0pp | 27.49%-42.8pp | -7.85%-7.5pp |
| Employer contribution / active EE | $17,083 | $2,746+522.1% | $3,636+369.8% | $2,597+557.9% |
| Participant deferral / active EE | $4,857 | $3,566+36.2% | $4,729+2.7% | $4,028+20.6% |
| Admin fee / account holder | $3,309 | $5,222-36.6% | $6,410-48.4% | $5,403-38.8% |