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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 | $95,985 | $77,817+23.3% | $123,553-22.3% | $64,173+49.6% |
| Participation rate | 82.9% | 74.7%+8.2pp | 82.3%+0.6pp | 69.6%+13.4pp |
| Annual return | -1.94% | 12.49%-14.4pp | 119.21%-121.1pp | 7.63%-9.6pp |
| Employer contribution / active EE | $1,383 | $3,014-54.1% | $4,628-70.1% | $2,381-41.9% |
| Participant deferral / active EE | $9,661 | $5,240+84.4% | $6,426+50.3% | $3,470+178.4% |
| Admin fee / account holder | $2,435 | $5,519-55.9% | $9,284-73.8% | $4,887-50.2% |