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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 | $96,157 | $72,177+33.2% | $115,038-16.4% | $59,633+61.2% |
| Participation rate | 71.9% | 72.6%-0.7pp | 81.4%-9.5pp | 68.7%+3.2pp |
| Annual return | -0.55% | 12.02%-12.6pp | 26.14%-26.7pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $2,035 | $2,841-28.4% | $4,608-55.8% | $2,203-7.6% |
| Participant deferral / active EE | $4,835 | $4,783+1.1% | $6,026-19.8% | $3,192+51.5% |
| Admin fee / account holder | $2,424 | $4,927-50.8% | $8,175-70.4% | $4,297-43.6% |