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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 | $62,313 | $131,835-52.7% | $108,582-42.6% | $273,972-77.3% |
| Participation rate | 88.2% | 83.5%+4.8pp | 79.6%+8.7pp | 83.0%+5.2pp |
| Annual return | 7.38% | -91.57%+99.0pp | -51.70%+59.1pp | 41.46%-34.1pp |
| Employer contribution / active EE | $10,227 | $4,913+108.2% | $3,758+172.1% | $4,869+110.1% |
| Participant deferral / active EE | $5,954 | $5,127+16.1% | $4,311+38.1% | $5,287+12.6% |
| Admin fee / account holder | $3,466 | $10,253-66.2% | $7,645-54.7% | $10,133-65.8% |