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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 | $69,108 | $73,019-5.4% | $90,766-23.9% | $68,490+0.9% |
| Participation rate | 100.0% | 70.8%+29.2pp | 75.7%+24.3pp | 67.9%+32.1pp |
| Annual return | -10.95% | -13.81%+2.9pp | -12.16%+1.2pp | -7.85%-3.1pp |
| Employer contribution / active EE | $5,829 | $2,193+165.8% | $2,922+99.5% | $2,597+124.5% |
| Participant deferral / active EE | $4,341 | $3,626+19.7% | $4,565-4.9% | $4,028+7.8% |
| Admin fee / account holder | $2,471 | $5,897-58.1% | $8,446-70.7% | $5,403-54.3% |