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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 | $138,660 | $113,941+21.7% | $94,228+47.2% | $125,388+10.6% |
| Participation rate | 78.6% | 82.9%-4.3pp | 78.8%-0.2pp | 83.2%-4.6pp |
| Annual return | -1.59% | 5.29%-6.9pp | 10.68%-12.3pp | 282.24%-283.8pp |
| Employer contribution / active EE | $9,647 | $4,727+104.1% | $3,587+169.0% | $4,866+98.2% |
| Participant deferral / active EE | $8,697 | $5,179+67.9% | $4,320+101.3% | $5,352+62.5% |
| Admin fee / account holder | $1,477 | $8,392-82.4% | $6,269-76.4% | $9,541-84.5% |