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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 | $109,507 | $131,835-16.9% | $108,582+0.9% | $273,972-60.0% |
| Participation rate | 87.5% | 83.5%+4.0pp | 79.6%+7.9pp | 83.0%+4.5pp |
| Annual return | 4.47% | -91.57%+96.0pp | -51.70%+56.2pp | 41.46%-37.0pp |
| Employer contribution / active EE | $8,038 | $4,913+63.6% | $3,758+113.9% | $4,869+65.1% |
| Participant deferral / active EE | $5,259 | $5,127+2.6% | $4,311+22.0% | $5,287-0.5% |
| Admin fee / account holder | $1,348 | $10,253-86.9% | $7,645-82.4% | $10,133-86.7% |