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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 | $92,783 | $94,529-1.8% | $140,019-33.7% | $64,181+44.6% |
| Participation rate | 77.4% | 84.1%-6.7pp | 87.5%-10.1pp | 69.6%+7.9pp |
| Annual return | -4.67% | 7.77%-12.4pp | 651.15%-655.8pp | 7.63%-12.3pp |
| Employer contribution / active EE | $5,122 | $3,812+34.4% | $5,605-8.6% | $2,381+115.2% |
| Participant deferral / active EE | $9,867 | $5,250+87.9% | $6,927+42.5% | $3,470+184.4% |
| Admin fee / account holder | $7,948 | $6,741+17.9% | $10,705-25.8% | $4,887+62.6% |