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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 | $102,664 | $92,219+11.3% | $76,767+33.7% | $135,380-24.2% |
| Participation rate | 85.7% | 79.8%+5.9pp | 77.0%+8.8pp | 82.6%+3.1pp |
| Annual return | -3.81% | 5.46%-9.3pp | 2.43%-6.2pp | 519.81%-523.6pp |
| Employer contribution / active EE | $1,934 | $3,216-39.8% | $2,485-22.2% | $4,779-59.5% |
| Participant deferral / active EE | $9,879 | $4,508+119.1% | $3,852+156.5% | $5,609+76.1% |
| Admin fee / account holder | $962 | $10,749-91.0% | $6,675-85.6% | $10,828-91.1% |