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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 | $62,805 | $73,848-15.0% | $143,799-56.3% | $68,486-8.3% |
| Participation rate | 98.4% | 66.7%+31.7pp | 80.3%+18.0pp | 67.9%+30.5pp |
| Annual return | -17.01% | 0.91%-17.9pp | -0.04%-17.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $2,662 | $3,184-16.4% | $4,952-46.2% | $2,597+2.5% |
| Participant deferral / active EE | $5,433 | $3,385+60.5% | $5,638-3.6% | $4,028+34.9% |
| Admin fee / account holder | $8,461 | $5,755+47.0% | $14,677-42.4% | $5,404+56.6% |