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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 | $85,901 | $81,870+4.9% | $119,622-28.2% | $68,486+25.4% |
| Participation rate | 84.2% | 71.9%+12.3pp | 79.3%+4.9pp | 67.9%+16.3pp |
| Annual return | -12.51% | -23.82%+11.3pp | -14.98%+2.5pp | -7.85%-4.7pp |
| Employer contribution / active EE | $3,948 | $2,692+46.7% | $4,232-6.7% | $2,597+52.0% |
| Participant deferral / active EE | $7,941 | $4,148+91.4% | $5,601+41.8% | $4,028+97.2% |
| Admin fee / account holder | $14,853 | $6,583+125.6% | $10,328+43.8% | $5,404+174.9% |