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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 | $246,439 | $86,701+184.2% | $73,309+236.2% | $125,389+96.5% |
| Participation rate | 71.4% | 78.6%-7.2pp | 74.9%-3.5pp | 83.2%-11.8pp |
| Annual return | -0.62% | 2.78%-3.4pp | 5.67%-6.3pp | 282.24%-282.9pp |
| Employer contribution / active EE | $2,618 | $4,152-37.0% | $3,237-19.1% | $4,866-46.2% |
| Participant deferral / active EE | $12,257 | $5,549+120.9% | $4,991+145.6% | $5,352+129.0% |
| Admin fee / account holder | $537 | $7,768-93.1% | $5,635-90.5% | $9,541-94.4% |