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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 | $87,480 | $117,694-25.7% | $71,755+21.9% | $134,532-35.0% |
| Participation rate | 92.3% | 68.8%+23.5pp | 62.3%+30.0pp | 81.2%+11.1pp |
| Annual return | -14.38% | 25.33%-39.7pp | 9.09%-23.5pp | 418.27%-432.7pp |
| Employer contribution / active EE | $2,308 | $2,523-8.5% | $1,704+35.5% | $4,741-51.3% |
| Participant deferral / active EE | $2,483 | $3,753-33.9% | $2,656-6.5% | $6,401-61.2% |
| Admin fee / account holder | $1,170 | $6,374-81.6% | $3,972-70.5% | $11,429-89.8% |