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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 | $83,369 | $64,729+28.8% | $112,263-25.7% | $68,490+21.7% |
| Participation rate | 87.7% | 67.2%+20.5pp | 75.1%+12.6pp | 67.9%+19.8pp |
| Annual return | -15.89% | -11.40%-4.5pp | 27.49%-43.4pp | -7.85%-8.0pp |
| Employer contribution / active EE | $2,918 | $2,746+6.3% | $3,636-19.7% | $2,597+12.4% |
| Participant deferral / active EE | $7,687 | $3,566+115.6% | $4,729+62.5% | $4,028+90.8% |
| Admin fee / account holder | $2,702 | $5,222-48.3% | $6,410-57.9% | $5,403-50.0% |