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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 | $106,523 | $77,817+36.9% | $123,553-13.8% | $64,173+66.0% |
| Participation rate | 75.5% | 74.7%+0.8pp | 82.3%-6.8pp | 69.6%+5.9pp |
| Annual return | -6.72% | 12.49%-19.2pp | 119.21%-125.9pp | 7.63%-14.4pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $9,601 | $5,240+83.2% | $6,426+49.4% | $3,470+176.7% |
| Admin fee / account holder | $1,042 | $5,519-81.1% | $9,284-88.8% | $4,887-78.7% |