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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 | $84,102 | $72,404+16.2% | $110,243-23.7% | $64,173+31.1% |
| Participation rate | 76.7% | 73.3%+3.3pp | 79.8%-3.2pp | 69.6%+7.1pp |
| Annual return | -5.03% | -6.29%+1.3pp | 314.76%-319.8pp | 7.63%-12.7pp |
| Employer contribution / active EE | $1,147 | $2,282-49.7% | $3,827-70.0% | $2,381-51.8% |
| Participant deferral / active EE | $3,635 | $3,469+4.8% | $4,672-22.2% | $3,470+4.8% |
| Admin fee / account holder | $2,562 | $5,664-54.8% | $8,548-70.0% | $4,887-47.6% |