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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 | $96,350 | $100,811-4.4% | $86,698+11.1% | $134,545-28.4% |
| Participation rate | 80.0% | 79.0%+1.0pp | 76.6%+3.4pp | 81.2%-1.2pp |
| Annual return | -10.73% | 29.11%-39.8pp | 35.96%-46.7pp | 418.37%-429.1pp |
| Employer contribution / active EE | $3,455 | $3,490-1.0% | $2,837+21.8% | $4,742-27.1% |
| Participant deferral / active EE | $8,608 | $5,339+61.2% | $4,656+84.9% | $6,401+34.5% |
| Admin fee / account holder | $972 | $10,926-91.1% | $7,492-87.0% | $11,431-91.5% |