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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 | $138,888 | $64,729+114.6% | $112,263+23.7% | $68,490+102.8% |
| Participation rate | 88.0% | 67.2%+20.8pp | 75.1%+12.9pp | 67.9%+20.1pp |
| Annual return | -15.75% | -11.40%-4.3pp | 27.49%-43.2pp | -7.85%-7.9pp |
| Employer contribution / active EE | $6,664 | $2,746+142.7% | $3,636+83.3% | $2,597+156.6% |
| Participant deferral / active EE | $5,481 | $3,566+53.7% | $4,729+15.9% | $4,028+36.1% |
| Admin fee / account holder | $2,464 | $5,222-52.8% | $6,410-61.6% | $5,403-54.4% |