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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 | $90,909 | $73,839+23.1% | $143,788-36.8% | $68,495+32.7% |
| Participation rate | 93.8% | 66.7%+27.1pp | 80.3%+13.4pp | 67.9%+25.9pp |
| Annual return | -15.72% | 1.01%-16.7pp | -0.03%-15.7pp | -7.84%-7.9pp |
| Employer contribution / active EE | $2,825 | $3,184-11.3% | $4,952-42.9% | $2,596+8.8% |
| Participant deferral / active EE | $4,498 | $3,384+32.9% | $5,638-20.2% | $4,028+11.7% |
| Admin fee / account holder | $2,073 | $5,755-64.0% | $14,675-85.9% | $5,403-61.6% |