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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 | $96,365 | $77,817+23.8% | $123,553-22.0% | $64,173+50.2% |
| Participation rate | 78.8% | 74.7%+4.1pp | 82.3%-3.4pp | 69.6%+9.3pp |
| Annual return | -6.63% | 12.49%-19.1pp | 119.21%-125.8pp | 7.63%-14.3pp |
| Employer contribution / active EE | $2,476 | $3,014-17.8% | $4,628-46.5% | $2,381+4.0% |
| Participant deferral / active EE | $7,026 | $5,240+34.1% | $6,426+9.3% | $3,470+102.5% |
| Admin fee / account holder | $1,981 | $5,519-64.1% | $9,284-78.7% | $4,887-59.5% |