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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 | $76,452 | $50,947+50.1% | $74,549+2.6% | $64,173+19.1% |
| Participation rate | 80.6% | 61.1%+19.6pp | 69.1%+11.5pp | 69.6%+11.1pp |
| Annual return | -4.92% | -1.85%-3.1pp | 32.53%-37.5pp | 7.63%-12.6pp |
| Employer contribution / active EE | $8,352 | $1,115+648.8% | $1,961+325.9% | $2,381+250.8% |
| Participant deferral / active EE | $3,542 | $2,302+53.9% | $3,108+14.0% | $3,470+2.1% |
| Admin fee / account holder | $13,141 | $4,221+211.3% | $5,059+159.8% | $4,887+168.9% |