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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 | $65,620 | $73,863-11.2% | $143,797-54.4% | $68,490-4.2% |
| Participation rate | 89.2% | 66.7%+22.5pp | 80.3%+8.9pp | 67.9%+21.3pp |
| Annual return | -14.71% | 0.91%-15.6pp | -0.04%-14.7pp | -7.85%-6.9pp |
| Employer contribution / active EE | $7,786 | $3,185+144.5% | $4,952+57.2% | $2,597+199.8% |
| Participant deferral / active EE | $4,226 | $3,385+24.9% | $5,638-25.0% | $4,028+4.9% |
| Admin fee / account holder | $964 | $5,756-83.3% | $14,679-93.4% | $5,403-82.2% |