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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 | $102,563 | $100,805+1.7% | $86,698+18.3% | $134,532-23.8% |
| Participation rate | 83.3% | 79.0%+4.4pp | 76.6%+6.7pp | 81.2%+2.1pp |
| Annual return | -16.75% | 29.09%-45.8pp | 35.95%-52.7pp | 418.27%-435.0pp |
| Employer contribution / active EE | $1,694 | $3,490-51.5% | $2,837-40.3% | $4,741-64.3% |
| Participant deferral / active EE | $5,221 | $5,339-2.2% | $4,656+12.1% | $6,401-18.4% |
| Admin fee / account holder | $2,131 | $10,925-80.5% | $7,493-71.6% | $11,429-81.4% |