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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 | $150,369 | $64,729+132.3% | $112,263+33.9% | $68,490+119.5% |
| Participation rate | 96.0% | 67.2%+28.8pp | 75.1%+20.9pp | 67.9%+28.1pp |
| Annual return | -15.88% | -11.40%-4.5pp | 27.49%-43.4pp | -7.85%-8.0pp |
| Employer contribution / active EE | $2,413 | $2,746-12.1% | $3,636-33.6% | $2,597-7.1% |
| Participant deferral / active EE | $6,174 | $3,566+73.1% | $4,729+30.5% | $4,028+53.3% |
| Admin fee / account holder | $724 | $5,222-86.1% | $6,410-88.7% | $5,403-86.6% |