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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 | $120,379 | $59,813+101.3% | $79,580+51.3% | $68,486+75.8% |
| Participation rate | 85.7% | 61.1%+24.6pp | 69.5%+16.2pp | 67.9%+17.8pp |
| Annual return | -15.37% | -12.30%-3.1pp | 0.15%-15.5pp | -7.85%-7.5pp |
| Employer contribution / active EE | $2,766 | $1,505+83.8% | $2,413+14.6% | $2,597+6.5% |
| Participant deferral / active EE | $5,148 | $3,024+70.2% | $3,985+29.2% | $4,028+27.8% |
| Admin fee / account holder | $1,998 | $4,835-58.7% | $6,835-70.8% | $5,404-63.0% |