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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 | $34,506 | $64,719-46.7% | $112,249-69.3% | $68,486-49.6% |
| Participation rate | 88.2% | 67.2%+21.1pp | 75.1%+13.2pp | 67.9%+20.3pp |
| Annual return | -15.62% | -11.40%-4.2pp | 27.48%-43.1pp | -7.85%-7.8pp |
| Employer contribution / active EE | $7,654 | $2,747+178.7% | $3,636+110.5% | $2,597+194.8% |
| Participant deferral / active EE | $6,154 | $3,565+72.6% | $4,729+30.1% | $4,028+52.8% |
| Admin fee / account holder | $1,193 | $5,232-77.2% | $6,412-81.4% | $5,404-77.9% |