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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 | $155,847 | $97,881+59.2% | $80,004+94.8% | $125,389+24.3% |
| Participation rate | 75.0% | 77.9%-2.9pp | 73.0%+2.0pp | 83.2%-8.2pp |
| Annual return | -2.37% | 9.36%-11.7pp | 7.63%-10.0pp | 282.24%-284.6pp |
| Employer contribution / active EE | $2,816 | $3,128-10.0% | $2,473+13.9% | $4,866-42.1% |
| Participant deferral / active EE | $6,000 | $3,744+60.2% | $3,204+87.3% | $5,352+12.1% |
| Admin fee / account holder | $362 | $6,278-94.2% | $5,033-92.8% | $9,541-96.2% |