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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 | $95,437 | $127,100-24.9% | $105,738-9.7% | $135,382-29.5% |
| Participation rate | 81.8% | 82.7%-0.9pp | 76.3%+5.5pp | 82.6%-0.8pp |
| Annual return | -4.31% | 4.49%-8.8pp | 6.27%-10.6pp | 519.77%-524.1pp |
| Employer contribution / active EE | $1,614 | $4,107-60.7% | $3,268-50.6% | $4,779-66.2% |
| Participant deferral / active EE | $2,774 | $5,064-45.2% | $4,080-32.0% | $5,609-50.5% |
| Admin fee / account holder | $2,625 | $9,087-71.1% | $6,913-62.0% | $10,829-75.8% |