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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 | $135,156 | $83,908+61.1% | $68,509+97.3% | $125,389+7.8% |
| Participation rate | 70.0% | 78.2%-8.2pp | 74.7%-4.7pp | 83.2%-13.2pp |
| Annual return | -0.51% | 14.48%-15.0pp | 8.27%-8.8pp | 282.24%-282.7pp |
| Employer contribution / active EE | $1,408 | $3,031-53.5% | $2,278-38.2% | $4,866-71.1% |
| Participant deferral / active EE | $6,260 | $4,125+51.8% | $3,382+85.1% | $5,352+17.0% |
| Admin fee / account holder | $3,525 | $8,982-60.8% | $5,275-33.2% | $9,541-63.1% |