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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 | $52,274 | $110,083-52.5% | $151,639-65.5% | $68,486-23.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 87.5%+12.5pp | 67.9%+32.1pp |
| Annual return | -16.49% | -10.12%-6.4pp | 3.34%-19.8pp | -7.85%-8.6pp |
| Employer contribution / active EE | $5,296 | $4,470+18.5% | $6,165-14.1% | $2,597+104.0% |
| Participant deferral / active EE | $6,270 | $6,526-3.9% | $8,363-25.0% | $4,028+55.7% |
| Admin fee / account holder | $655 | $7,718-91.5% | $11,613-94.4% | $5,404-87.9% |