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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 | $69,203 | $42,383+63.3% | $76,518-9.6% | $64,173+7.8% |
| Participation rate | 83.6% | 58.1%+25.5pp | 68.0%+15.6pp | 69.6%+14.1pp |
| Annual return | -4.08% | -16.54%+12.5pp | -0.27%-3.8pp | 7.63%-11.7pp |
| Employer contribution / active EE | $4,487 | $1,563+187.0% | $2,647+69.5% | $2,381+88.5% |
| Participant deferral / active EE | $2,365 | $2,566-7.8% | $3,836-38.3% | $3,470-31.8% |
| Admin fee / account holder | $664 | $3,198-79.2% | $4,849-86.3% | $4,887-86.4% |