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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 | $128,921 | $73,867+74.5% | $143,770-10.3% | $68,498+88.2% |
| Participation rate | 82.1% | 66.7%+15.4pp | 80.3%+1.7pp | 67.9%+14.2pp |
| Annual return | -8.73% | 1.01%-9.7pp | -0.04%-8.7pp | -7.84%-0.9pp |
| Employer contribution / active EE | $9,591 | $3,184+201.2% | $4,951+93.7% | $2,596+269.4% |
| Participant deferral / active EE | $11,844 | $3,384+250.0% | $5,638+110.1% | $4,027+194.1% |
| Admin fee / account holder | $3,538 | $5,755-38.5% | $14,673-75.9% | $5,403-34.5% |