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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 | $155,416 | $59,813+159.8% | $79,580+95.3% | $68,486+126.9% |
| Participation rate | 83.9% | 61.1%+22.8pp | 69.5%+14.4pp | 67.9%+16.0pp |
| Annual return | -10.78% | -12.30%+1.5pp | 0.15%-10.9pp | -7.85%-2.9pp |
| Employer contribution / active EE | $1,185 | $1,505-21.3% | $2,413-50.9% | $2,597-54.4% |
| Participant deferral / active EE | $8,097 | $3,024+167.7% | $3,985+103.2% | $4,028+101.0% |
| Admin fee / account holder | $5,277 | $4,835+9.2% | $6,835-22.8% | $5,404-2.3% |