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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 | $83,501 | $45,872+82.0% | $77,100+8.3% | $68,490+21.9% |
| Participation rate | 91.9% | 55.9%+36.0pp | 67.9%+24.0pp | 67.9%+24.0pp |
| Annual return | -12.37% | 1.73%-14.1pp | 42.35%-54.7pp | -7.85%-4.5pp |
| Employer contribution / active EE | $1,486 | $1,650-9.9% | $2,815-47.2% | $2,597-42.8% |
| Participant deferral / active EE | $2,320 | $2,963-21.7% | $4,430-47.6% | $4,028-42.4% |
| Admin fee / account holder | $6,383 | $3,041+109.9% | $5,443+17.3% | $5,403+18.1% |