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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 | $105,028 | $73,848+42.2% | $143,799-27.0% | $68,486+53.4% |
| Participation rate | 82.9% | 66.7%+16.2pp | 80.3%+2.5pp | 67.9%+15.0pp |
| Annual return | -16.16% | 0.91%-17.1pp | -0.04%-16.1pp | -7.85%-8.3pp |
| Employer contribution / active EE | $7,467 | $3,184+134.5% | $4,952+50.8% | $2,597+187.6% |
| Participant deferral / active EE | $4,742 | $3,385+40.1% | $5,638-15.9% | $4,028+17.7% |
| Admin fee / account holder | $1,942 | $5,755-66.3% | $14,677-86.8% | $5,404-64.1% |