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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 | $142,164 | $71,873+97.8% | $86,698+64.0% | $68,490+107.6% |
| Participation rate | 75.7% | 72.2%+3.4pp | 76.6%-0.9pp | 67.9%+7.8pp |
| Annual return | -11.75% | 3.54%-15.3pp | 35.96%-47.7pp | -7.85%-3.9pp |
| Employer contribution / active EE | $2,497 | $2,173+14.9% | $2,837-12.0% | $2,597-3.8% |
| Participant deferral / active EE | $5,030 | $3,779+33.1% | $4,656+8.0% | $4,028+24.9% |
| Admin fee / account holder | $13,266 | $6,110+117.1% | $7,492+77.1% | $5,403+145.5% |