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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 | $108,759 | $95,895+13.4% | $79,576+36.7% | $134,509-19.1% |
| Participation rate | 71.4% | 75.0%-3.6pp | 69.5%+1.9pp | 81.2%-9.8pp |
| Annual return | -16.91% | -2.72%-14.2pp | 0.15%-17.1pp | 418.13%-435.0pp |
| Employer contribution / active EE | $3,118 | $3,128-0.3% | $2,413+29.2% | $4,741-34.2% |
| Participant deferral / active EE | $8,734 | $4,693+86.1% | $3,985+119.2% | $6,400+36.5% |
| Admin fee / account holder | $1,995 | $9,129-78.1% | $6,834-70.8% | $11,427-82.5% |