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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 | $102,331 | $77,817+31.5% | $123,553-17.2% | $64,173+59.5% |
| Participation rate | 71.0% | 74.7%-3.7pp | 82.3%-11.3pp | 69.6%+1.4pp |
| Annual return | -7.21% | 12.49%-19.7pp | 119.21%-126.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $2,823 | $3,014-6.3% | $4,628-39.0% | $2,381+18.6% |
| Participant deferral / active EE | $7,725 | $5,240+47.4% | $6,426+20.2% | $3,470+122.6% |
| Admin fee / account holder | $2,571 | $5,519-53.4% | $9,284-72.3% | $4,887-47.4% |