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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 | $58,908 | $46,697+26.1% | $117,529-49.9% | $68,490-14.0% |
| Participation rate | 92.0% | 56.8%+35.2pp | 70.6%+21.4pp | 67.9%+24.1pp |
| Annual return | -15.52% | -14.52%-1.0pp | 29.77%-45.3pp | -7.85%-7.7pp |
| Employer contribution / active EE | $3,616 | $1,506+140.1% | $4,179-13.5% | $2,597+39.2% |
| Participant deferral / active EE | $3,207 | $2,637+21.6% | $4,072-21.2% | $4,028-20.4% |
| Admin fee / account holder | $14,560 | $4,023+262.0% | $5,645+157.9% | $5,403+169.5% |