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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 | $108,803 | $92,219+18.0% | $76,767+41.7% | $135,380-19.6% |
| Participation rate | 81.3% | 79.8%+1.5pp | 77.0%+4.3pp | 82.6%-1.4pp |
| Annual return | -3.87% | 5.46%-9.3pp | 2.43%-6.3pp | 519.81%-523.7pp |
| Employer contribution / active EE | $2,821 | $3,216-12.3% | $2,485+13.5% | $4,779-41.0% |
| Participant deferral / active EE | $5,422 | $4,508+20.3% | $3,852+40.8% | $5,609-3.3% |
| Admin fee / account holder | $35,612 | $10,749+231.3% | $6,675+433.5% | $10,828+228.9% |