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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 | $89,996 | $77,816+15.7% | $123,552-27.2% | $64,173+40.2% |
| Participation rate | 84.4% | 74.7%+9.7pp | 82.3%+2.1pp | 69.6%+14.8pp |
| Annual return | -3.50% | 12.49%-16.0pp | 119.20%-122.7pp | 7.63%-11.1pp |
| Employer contribution / active EE | $3,970 | $3,014+31.7% | $4,628-14.2% | $2,381+66.7% |
| Participant deferral / active EE | $8,361 | $5,240+59.6% | $6,426+30.1% | $3,470+141.0% |
| Admin fee / account holder | $1,803 | $5,519-67.3% | $9,285-80.6% | $4,887-63.1% |