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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 | $90,948 | $95,193-4.5% | $76,523+18.9% | $135,382-32.8% |
| Participation rate | 75.0% | 74.4%+0.6pp | 68.0%+7.0pp | 82.6%-7.6pp |
| Annual return | -8.07% | 4.85%-12.9pp | -0.27%-7.8pp | 519.77%-527.8pp |
| Employer contribution / active EE | $2,761 | $3,302-16.4% | $2,647+4.3% | $4,779-42.2% |
| Participant deferral / active EE | $5,265 | $4,639+13.5% | $3,835+37.3% | $5,609-6.1% |
| Admin fee / account holder | $7,002 | $6,249+12.1% | $4,848+44.4% | $10,829-35.3% |