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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 | $88,572 | $77,816+13.8% | $123,552-28.3% | $64,173+38.0% |
| Participation rate | 92.7% | 74.7%+18.0pp | 82.3%+10.4pp | 69.6%+23.1pp |
| Annual return | -3.06% | 12.49%-15.5pp | 119.20%-122.3pp | 7.63%-10.7pp |
| Employer contribution / active EE | $649 | $3,014-78.5% | $4,628-86.0% | $2,381-72.7% |
| Participant deferral / active EE | $6,381 | $5,240+21.8% | $6,426-0.7% | $3,470+83.9% |
| Admin fee / account holder | $468 | $5,519-91.5% | $9,285-95.0% | $4,887-90.4% |