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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 | $99,487 | $73,848+34.7% | $143,799-30.8% | $68,486+45.3% |
| Participation rate | 97.6% | 66.7%+30.9pp | 80.3%+17.2pp | 67.9%+29.7pp |
| Annual return | -14.73% | 0.91%-15.6pp | -0.04%-14.7pp | -7.85%-6.9pp |
| Employer contribution / active EE | $4,428 | $3,184+39.1% | $4,952-10.6% | $2,597+70.5% |
| Participant deferral / active EE | $4,066 | $3,385+20.1% | $5,638-27.9% | $4,028+1.0% |
| Admin fee / account holder | $1,964 | $5,755-65.9% | $14,677-86.6% | $5,404-63.6% |