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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 | $80,776 | $95,193-15.1% | $76,523+5.6% | $135,382-40.3% |
| Participation rate | 90.5% | 74.4%+16.1pp | 68.0%+22.5pp | 82.6%+7.8pp |
| Annual return | -9.82% | 4.85%-14.7pp | -0.27%-9.6pp | 519.77%-529.6pp |
| Employer contribution / active EE | $2,839 | $3,302-14.0% | $2,647+7.3% | $4,779-40.6% |
| Participant deferral / active EE | $5,876 | $4,639+26.6% | $3,835+53.2% | $5,609+4.8% |
| Admin fee / account holder | $5,045 | $6,249-19.3% | $4,848+4.1% | $10,829-53.4% |