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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 | $79,835 | $99,032-19.4% | $80,022-0.2% | $135,380-41.0% |
| Participation rate | 88.9% | 78.4%+10.5pp | 75.8%+13.1pp | 82.6%+6.2pp |
| Annual return | -7.07% | 15.39%-22.5pp | 11.22%-18.3pp | 519.81%-526.9pp |
| Employer contribution / active EE | $1,672 | $3,043-45.1% | $2,468-32.3% | $4,779-65.0% |
| Participant deferral / active EE | $6,868 | $4,282+60.4% | $3,686+86.3% | $5,609+22.4% |
| Admin fee / account holder | $4,272 | $10,436-59.1% | $6,521-34.5% | $10,828-60.5% |