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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 | $54,037 | $64,729-16.5% | $112,263-51.9% | $68,490-21.1% |
| Participation rate | 98.5% | 67.2%+31.3pp | 75.1%+23.4pp | 67.9%+30.6pp |
| Annual return | -12.28% | -11.40%-0.9pp | 27.49%-39.8pp | -7.85%-4.4pp |
| Employer contribution / active EE | $6,289 | $2,746+129.0% | $3,636+73.0% | $2,597+142.2% |
| Participant deferral / active EE | $2,818 | $3,566-21.0% | $4,729-40.4% | $4,028-30.0% |
| Admin fee / account holder | $3,474 | $5,222-33.5% | $6,410-45.8% | $5,403-35.7% |