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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 | $88,705 | $167,504-47.0% | $151,628-41.5% | $134,509-34.1% |
| Participation rate | 75.0% | 88.4%-13.4pp | 87.5%-12.5pp | 81.2%-6.2pp |
| Annual return | -16.48% | 7.81%-24.3pp | 3.34%-19.8pp | 418.13%-434.6pp |
| Employer contribution / active EE | $4,109 | $6,828-39.8% | $6,165-33.3% | $4,741-13.3% |
| Participant deferral / active EE | $10,054 | $8,985+11.9% | $8,363+20.2% | $6,400+57.1% |
| Admin fee / account holder | $3,558 | $13,779-74.2% | $11,613-69.4% | $11,427-68.9% |