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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 | $78,663 | $77,817+1.1% | $123,553-36.3% | $64,173+22.6% |
| Participation rate | 79.1% | 74.7%+4.4pp | 82.3%-3.2pp | 69.6%+9.5pp |
| Annual return | -3.50% | 12.49%-16.0pp | 119.21%-122.7pp | 7.63%-11.1pp |
| Employer contribution / active EE | $2,515 | $3,014-16.6% | $4,628-45.7% | $2,381+5.6% |
| Participant deferral / active EE | $7,153 | $5,240+36.5% | $6,426+11.3% | $3,470+106.2% |
| Admin fee / account holder | $7,214 | $5,519+30.7% | $9,284-22.3% | $4,887+47.6% |