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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 | $124,912 | $73,863+69.1% | $143,797-13.1% | $68,490+82.4% |
| Participation rate | 89.3% | 66.7%+22.6pp | 80.3%+9.0pp | 67.9%+21.4pp |
| Annual return | -13.36% | 0.91%-14.3pp | -0.04%-13.3pp | -7.85%-5.5pp |
| Employer contribution / active EE | $3,273 | $3,185+2.8% | $4,952-33.9% | $2,597+26.0% |
| Participant deferral / active EE | $11,186 | $3,385+230.5% | $5,638+98.4% | $4,028+177.7% |
| Admin fee / account holder | $1,600 | $5,756-72.2% | $14,679-89.1% | $5,403-70.4% |