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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 | $50,314 | $64,719-22.3% | $112,249-55.2% | $68,486-26.5% |
| Participation rate | 81.4% | 67.2%+14.2pp | 75.1%+6.3pp | 67.9%+13.5pp |
| Annual return | -18.04% | -11.40%-6.6pp | 27.48%-45.5pp | -7.85%-10.2pp |
| Employer contribution / active EE | $3,606 | $2,747+31.3% | $3,636-0.8% | $2,597+38.9% |
| Participant deferral / active EE | $8,305 | $3,565+132.9% | $4,729+75.6% | $4,028+106.2% |
| Admin fee / account holder | $752 | $5,232-85.6% | $6,412-88.3% | $5,404-86.1% |