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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 | $70,432 | $59,819+17.7% | $79,583-11.5% | $68,490+2.8% |
| Participation rate | 96.7% | 61.1%+35.6pp | 69.5%+27.2pp | 67.9%+28.8pp |
| Annual return | -17.57% | -12.30%-5.3pp | 0.16%-17.7pp | -7.85%-9.7pp |
| Employer contribution / active EE | $3,078 | $1,505+104.5% | $2,414+27.5% | $2,597+18.6% |
| Participant deferral / active EE | $4,710 | $3,025+55.7% | $3,986+18.2% | $4,028+16.9% |
| Admin fee / account holder | $960 | $4,835-80.2% | $6,835-86.0% | $5,403-82.2% |