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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 | $130,158 | $77,816+67.3% | $123,549+5.3% | $64,181+102.8% |
| Participation rate | 75.9% | 74.7%+1.2pp | 82.3%-6.4pp | 69.6%+6.3pp |
| Annual return | -7.10% | 12.49%-19.6pp | 119.20%-126.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $1,615 | $3,014-46.4% | $4,628-65.1% | $2,381-32.2% |
| Participant deferral / active EE | $3,360 | $5,240-35.9% | $6,426-47.7% | $3,470-3.2% |
| Admin fee / account holder | $886 | $5,519-84.0% | $9,284-90.5% | $4,887-81.9% |