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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 | $60,090 | $77,817-22.8% | $123,553-51.4% | $64,173-6.4% |
| Participation rate | 76.1% | 74.7%+1.3pp | 82.3%-6.2pp | 69.6%+6.5pp |
| Annual return | -1.76% | 12.49%-14.3pp | 119.21%-121.0pp | 7.63%-9.4pp |
| Employer contribution / active EE | $4,124 | $3,014+36.8% | $4,628-10.9% | $2,381+73.2% |
| Participant deferral / active EE | $7,440 | $5,240+42.0% | $6,426+15.8% | $3,470+114.4% |
| Admin fee / account holder | $1,807 | $5,519-67.3% | $9,284-80.5% | $4,887-63.0% |