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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 | $30,576 | $64,729-52.8% | $112,263-72.8% | $68,490-55.4% |
| Participation rate | 90.5% | 67.2%+23.3pp | 75.1%+15.4pp | 67.9%+22.6pp |
| Annual return | -14.44% | -11.40%-3.0pp | 27.49%-41.9pp | -7.85%-6.6pp |
| Employer contribution / active EE | $17,461 | $2,746+535.9% | $3,636+380.2% | $2,597+572.4% |
| Participant deferral / active EE | $2,708 | $3,566-24.1% | $4,729-42.7% | $4,028-32.8% |
| Admin fee / account holder | $6,925 | $5,222+32.6% | $6,410+8.0% | $5,403+28.2% |