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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 | $74,915 | $46,697+60.4% | $117,529-36.3% | $68,490+9.4% |
| Participation rate | 77.4% | 56.8%+20.6pp | 70.6%+6.8pp | 67.9%+9.5pp |
| Annual return | -11.29% | -14.52%+3.2pp | 29.77%-41.1pp | -7.85%-3.4pp |
| Employer contribution / active EE | $4,596 | $1,506+205.3% | $4,179+10.0% | $2,597+77.0% |
| Participant deferral / active EE | $1,843 | $2,637-30.1% | $4,072-54.7% | $4,028-54.2% |
| Admin fee / account holder | $4,230 | $4,023+5.2% | $5,645-25.1% | $5,403-21.7% |