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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 | $27,177 | $64,729-58.0% | $112,263-75.8% | $68,490-60.3% |
| Participation rate | 72.9% | 67.2%+5.7pp | 75.1%-2.2pp | 67.9%+5.0pp |
| Annual return | -14.09% | -11.40%-2.7pp | 27.49%-41.6pp | -7.85%-6.2pp |
| Employer contribution / active EE | $5,847 | $2,746+112.9% | $3,636+60.8% | $2,597+125.2% |
| Participant deferral / active EE | $8,470 | $3,566+137.5% | $4,729+79.1% | $4,028+110.3% |
| Admin fee / account holder | $1,038 | $5,222-80.1% | $6,410-83.8% | $5,403-80.8% |