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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 | $168,457 | $73,848+128.1% | $143,799+17.1% | $68,486+146.0% |
| Participation rate | 89.7% | 66.7%+23.0pp | 80.3%+9.3pp | 67.9%+21.8pp |
| Annual return | -16.26% | 0.91%-17.2pp | -0.04%-16.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $5,522 | $3,184+73.4% | $4,952+11.5% | $2,597+112.7% |
| Participant deferral / active EE | $5,086 | $3,385+50.3% | $5,638-9.8% | $4,028+26.3% |
| Admin fee / account holder | $4,048 | $5,755-29.7% | $14,677-72.4% | $5,404-25.1% |