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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 | $67,372 | $53,162+26.7% | $91,227-26.1% | $68,490-1.6% |
| Participation rate | 84.4% | 63.2%+21.2pp | 73.2%+11.2pp | 67.9%+16.5pp |
| Annual return | -16.25% | -3.14%-13.1pp | 114.14%-130.4pp | -7.85%-8.4pp |
| Employer contribution / active EE | $2,525 | $1,709+47.7% | $2,851-11.4% | $2,597-2.7% |
| Participant deferral / active EE | $4,211 | $2,974+41.6% | $4,234-0.5% | $4,028+4.5% |
| Admin fee / account holder | $1,746 | $4,493-61.1% | $5,423-67.8% | $5,403-67.7% |