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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 | $77,411 | $73,863+4.8% | $143,797-46.2% | $68,490+13.0% |
| Participation rate | 86.4% | 66.7%+19.7pp | 80.3%+6.0pp | 67.9%+18.5pp |
| Annual return | -18.79% | 0.91%-19.7pp | -0.04%-18.8pp | -7.85%-10.9pp |
| Employer contribution / active EE | $2,310 | $3,185-27.5% | $4,952-53.4% | $2,597-11.1% |
| Participant deferral / active EE | $7,738 | $3,385+128.6% | $5,638+37.2% | $4,028+92.1% |
| Admin fee / account holder | $3,657 | $5,756-36.5% | $14,679-75.1% | $5,403-32.3% |