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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 | $35,936 | $45,872-21.7% | $77,096-53.4% | $68,486-47.5% |
| Participation rate | 84.6% | 55.9%+28.7pp | 67.9%+16.7pp | 67.9%+16.7pp |
| Annual return | -8.76% | 1.73%-10.5pp | 42.35%-51.1pp | -7.85%-0.9pp |
| Employer contribution / active EE | $4,686 | $1,650+184.1% | $2,814+66.5% | $2,597+80.5% |
| Participant deferral / active EE | $8,926 | $2,963+201.3% | $4,429+101.5% | $4,028+121.6% |
| Admin fee / account holder | $3,158 | $3,041+3.9% | $5,428-41.8% | $5,404-41.6% |