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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 | $118,553 | $83,908+41.3% | $68,509+73.0% | $125,389-5.5% |
| Participation rate | 72.2% | 78.2%-5.9pp | 74.7%-2.5pp | 83.2%-11.0pp |
| Annual return | -3.26% | 14.48%-17.7pp | 8.27%-11.5pp | 282.24%-285.5pp |
| Employer contribution / active EE | $1,730 | $3,031-42.9% | $2,278-24.0% | $4,866-64.4% |
| Participant deferral / active EE | $2,696 | $4,125-34.6% | $3,382-20.3% | $5,352-49.6% |
| Admin fee / account holder | $1,265 | $8,982-85.9% | $5,275-76.0% | $9,541-86.7% |