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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 | $63,573 | $56,339+12.8% | $104,299-39.0% | $68,490-7.2% |
| Participation rate | 81.6% | 63.3%+18.4pp | 73.3%+8.4pp | 67.9%+13.7pp |
| Annual return | -14.85% | -9.19%-5.7pp | 24.62%-39.5pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,181 | $1,960-39.8% | $3,373-65.0% | $2,597-54.5% |
| Participant deferral / active EE | $2,458 | $3,077-20.1% | $4,626-46.9% | $4,028-39.0% |
| Admin fee / account holder | $11,315 | $4,902+130.9% | $7,339+54.2% | $5,403+109.4% |