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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 | $205,615 | $73,848+178.4% | $143,799+43.0% | $68,486+200.2% |
| Participation rate | 85.2% | 66.7%+18.5pp | 80.3%+4.9pp | 67.9%+17.3pp |
| Annual return | -15.83% | 0.91%-16.7pp | -0.04%-15.8pp | -7.85%-8.0pp |
| Employer contribution / active EE | $11,417 | $3,184+258.5% | $4,952+130.5% | $2,597+339.7% |
| Participant deferral / active EE | $7,769 | $3,385+129.5% | $5,638+37.8% | $4,028+92.9% |
| Admin fee / account holder | $2,143 | $5,755-62.8% | $14,677-85.4% | $5,404-60.4% |