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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 | $75,753 | $110,083-31.2% | $151,639-50.0% | $68,486+10.6% |
| Participation rate | 87.1% | 84.0%+3.1pp | 87.5%-0.4pp | 67.9%+19.2pp |
| Annual return | -15.80% | -10.12%-5.7pp | 3.34%-19.1pp | -7.85%-7.9pp |
| Employer contribution / active EE | $4,653 | $4,470+4.1% | $6,165-24.5% | $2,597+79.2% |
| Participant deferral / active EE | $8,675 | $6,526+32.9% | $8,363+3.7% | $4,028+115.4% |
| Admin fee / account holder | $2,805 | $7,718-63.7% | $11,613-75.8% | $5,404-48.1% |