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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 | $162,337 | $73,863+119.8% | $143,797+12.9% | $68,490+137.0% |
| Participation rate | 86.5% | 66.7%+19.9pp | 80.3%+6.2pp | 67.9%+18.6pp |
| Annual return | -14.77% | 0.91%-15.7pp | -0.04%-14.7pp | -7.85%-6.9pp |
| Employer contribution / active EE | $9,209 | $3,185+189.2% | $4,952+86.0% | $2,597+254.7% |
| Participant deferral / active EE | $6,309 | $3,385+86.4% | $5,638+11.9% | $4,028+56.6% |
| Admin fee / account holder | $10,046 | $5,756+74.5% | $14,679-31.6% | $5,403+85.9% |