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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 | $115,372 | $77,817+48.3% | $123,553-6.6% | $64,173+79.8% |
| Participation rate | 74.2% | 74.7%-0.5pp | 82.3%-8.1pp | 69.6%+4.6pp |
| Annual return | -6.69% | 12.49%-19.2pp | 119.21%-125.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $9,656 | $3,014+220.4% | $4,628+108.6% | $2,381+305.6% |
| Participant deferral / active EE | $3,761 | $5,240-28.2% | $6,426-41.5% | $3,470+8.4% |
| Admin fee / account holder | $4,468 | $5,519-19.0% | $9,284-51.9% | $4,887-8.6% |