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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 | $119,201 | $81,900+45.5% | $119,615-0.3% | $68,498+74.0% |
| Participation rate | 72.3% | 71.9%+0.4pp | 79.3%-6.9pp | 67.9%+4.5pp |
| Annual return | -14.85% | -23.82%+9.0pp | -14.98%+0.1pp | -7.84%-7.0pp |
| Employer contribution / active EE | $3,572 | $2,693+32.6% | $4,232-15.6% | $2,596+37.6% |
| Participant deferral / active EE | $6,684 | $4,148+61.2% | $5,602+19.3% | $4,027+66.0% |
| Admin fee / account holder | $895 | $6,582-86.4% | $10,324-91.3% | $5,403-83.4% |