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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 | $111,201 | $72,404+53.6% | $110,243+0.9% | $64,173+73.3% |
| Participation rate | 71.2% | 73.3%-2.2pp | 79.8%-8.7pp | 69.6%+1.6pp |
| Annual return | -4.65% | -6.29%+1.6pp | 314.76%-319.4pp | 7.63%-12.3pp |
| Employer contribution / active EE | $1,450 | $2,282-36.4% | $3,827-62.1% | $2,381-39.1% |
| Participant deferral / active EE | $4,816 | $3,469+38.8% | $4,672+3.1% | $3,470+38.8% |
| Admin fee / account holder | $3,435 | $5,664-39.4% | $8,548-59.8% | $4,887-29.7% |