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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 | $86,444 | $113,941-24.1% | $94,228-8.3% | $125,388-31.1% |
| Participation rate | 80.0% | 82.9%-2.9pp | 78.8%+1.2pp | 83.2%-3.2pp |
| Annual return | -0.22% | 5.29%-5.5pp | 10.68%-10.9pp | 282.24%-282.5pp |
| Employer contribution / active EE | $18,647 | $4,727+294.5% | $3,587+419.9% | $4,866+283.2% |
| Participant deferral / active EE | $9,144 | $5,179+76.6% | $4,320+111.7% | $5,352+70.9% |
| Admin fee / account holder | $617 | $8,392-92.6% | $6,269-90.2% | $9,541-93.5% |