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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 | $63,298 | $73,848-14.3% | $143,799-56.0% | $68,486-7.6% |
| Participation rate | 81.0% | 66.7%+14.3pp | 80.3%+0.6pp | 67.9%+13.1pp |
| Annual return | -18.06% | 0.91%-19.0pp | -0.04%-18.0pp | -7.85%-10.2pp |
| Employer contribution / active EE | $7,547 | $3,184+137.0% | $4,952+52.4% | $2,597+190.6% |
| Participant deferral / active EE | $4,553 | $3,385+34.5% | $5,638-19.2% | $4,028+13.1% |
| Admin fee / account holder | $1,387 | $5,755-75.9% | $14,677-90.6% | $5,404-74.3% |