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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 | $61,385 | $71,878-14.6% | $86,698-29.2% | $68,486-10.4% |
| Participation rate | 96.9% | 72.2%+24.6pp | 76.6%+20.3pp | 67.9%+29.0pp |
| Annual return | -11.59% | 3.53%-15.1pp | 35.95%-47.5pp | -7.85%-3.7pp |
| Employer contribution / active EE | $6,354 | $2,173+192.4% | $2,837+124.0% | $2,597+144.7% |
| Participant deferral / active EE | $13,460 | $3,779+256.2% | $4,656+189.1% | $4,028+234.2% |
| Admin fee / account holder | $2,546 | $6,113-58.3% | $7,493-66.0% | $5,404-52.9% |