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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 | $29,253 | $48,267-39.4% | $68,808-57.5% | $68,486-57.3% |
| Participation rate | 87.8% | 60.7%+27.2pp | 69.0%+18.8pp | 67.9%+19.9pp |
| Annual return | -14.72% | -12.70%-2.0pp | -6.37%-8.4pp | -7.85%-6.9pp |
| Employer contribution / active EE | $4,012 | $1,829+119.3% | $2,656+51.1% | $2,597+54.5% |
| Participant deferral / active EE | $7,048 | $2,867+145.8% | $3,942+78.8% | $4,028+75.0% |
| Admin fee / account holder | $326 | $4,362-92.5% | $4,936-93.4% | $5,404-94.0% |