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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 | $96,153 | $92,219+4.3% | $76,767+25.3% | $135,380-29.0% |
| Participation rate | 87.5% | 79.8%+7.7pp | 77.0%+10.5pp | 82.6%+4.9pp |
| Annual return | -3.93% | 5.46%-9.4pp | 2.43%-6.4pp | 519.81%-523.7pp |
| Employer contribution / active EE | $1,054 | $3,216-67.2% | $2,485-57.6% | $4,779-77.9% |
| Participant deferral / active EE | $4,354 | $4,508-3.4% | $3,852+13.0% | $5,609-22.4% |
| Admin fee / account holder | $7,764 | $10,749-27.8% | $6,675+16.3% | $10,828-28.3% |