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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 | $45,410 | $64,729-29.8% | $112,263-59.6% | $68,490-33.7% |
| Participation rate | 93.1% | 67.2%+26.0pp | 75.1%+18.0pp | 67.9%+25.2pp |
| Annual return | -19.21% | -11.40%-7.8pp | 27.49%-46.7pp | -7.85%-11.4pp |
| Employer contribution / active EE | $9,573 | $2,746+248.6% | $3,636+163.3% | $2,597+268.7% |
| Participant deferral / active EE | $5,558 | $3,566+55.9% | $4,729+17.5% | $4,028+38.0% |
| Admin fee / account holder | $3,313 | $5,222-36.6% | $6,410-48.3% | $5,403-38.7% |