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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 | $70,257 | $73,863-4.9% | $143,797-51.1% | $68,490+2.6% |
| Participation rate | 89.3% | 66.7%+22.6pp | 80.3%+9.0pp | 67.9%+21.4pp |
| Annual return | -17.99% | 0.91%-18.9pp | -0.04%-17.9pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,924 | $3,185-8.2% | $4,952-40.9% | $2,597+12.6% |
| Participant deferral / active EE | $2,830 | $3,385-16.4% | $5,638-49.8% | $4,028-29.7% |
| Admin fee / account holder | $52,554 | $5,756+813.0% | $14,679+258.0% | $5,403+872.7% |