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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 | $88,994 | $73,863+20.5% | $143,797-38.1% | $68,490+29.9% |
| Participation rate | 91.9% | 66.7%+25.2pp | 80.3%+11.6pp | 67.9%+24.0pp |
| Annual return | -14.56% | 0.91%-15.5pp | -0.04%-14.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $4,268 | $3,185+34.0% | $4,952-13.8% | $2,597+64.3% |
| Participant deferral / active EE | $3,365 | $3,385-0.6% | $5,638-40.3% | $4,028-16.4% |
| Admin fee / account holder | $2,994 | $5,756-48.0% | $14,679-79.6% | $5,403-44.6% |