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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 | $69,297 | $81,870-15.4% | $119,622-42.1% | $68,486+1.2% |
| Participation rate | 87.5% | 71.9%+15.6pp | 79.3%+8.2pp | 67.9%+19.6pp |
| Annual return | -12.02% | -23.82%+11.8pp | -14.98%+3.0pp | -7.85%-4.2pp |
| Employer contribution / active EE | $9,691 | $2,692+260.0% | $4,232+129.0% | $2,597+273.2% |
| Participant deferral / active EE | $4,221 | $4,148+1.8% | $5,601-24.6% | $4,028+4.8% |
| Admin fee / account holder | $2,558 | $6,583-61.1% | $10,328-75.2% | $5,404-52.7% |