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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 | $90,942 | $131,835-31.0% | $108,582-16.2% | $273,972-66.8% |
| Participation rate | 80.0% | 83.5%-3.5pp | 79.6%+0.4pp | 83.0%-3.0pp |
| Annual return | 2.91% | -91.57%+94.5pp | -51.70%+54.6pp | 41.46%-38.5pp |
| Employer contribution / active EE | $2,011 | $4,913-59.1% | $3,758-46.5% | $4,869-58.7% |
| Participant deferral / active EE | $5,494 | $5,127+7.2% | $4,311+27.4% | $5,287+3.9% |
| Admin fee / account holder | $9,800 | $10,253-4.4% | $7,645+28.2% | $10,133-3.3% |