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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 | $104,465 | $73,848+41.5% | $143,799-27.4% | $68,486+52.5% |
| Participation rate | 82.1% | 66.7%+15.5pp | 80.3%+1.8pp | 67.9%+14.2pp |
| Annual return | -13.01% | 0.91%-13.9pp | -0.04%-13.0pp | -7.85%-5.2pp |
| Employer contribution / active EE | $2,954 | $3,184-7.2% | $4,952-40.3% | $2,597+13.8% |
| Participant deferral / active EE | $5,681 | $3,385+67.8% | $5,638+0.8% | $4,028+41.1% |
| Admin fee / account holder | $745 | $5,755-87.0% | $14,677-94.9% | $5,404-86.2% |