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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 | $89,686 | $75,959+18.1% | $154,114-41.8% | $64,181+39.7% |
| Participation rate | 79.1% | 70.4%+8.7pp | 83.0%-4.0pp | 69.6%+9.5pp |
| Annual return | -7.19% | 30.32%-37.5pp | 735.16%-742.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $2,074 | $3,350-38.1% | $5,298-60.8% | $2,381-12.9% |
| Participant deferral / active EE | $3,371 | $3,175+6.2% | $5,081-33.6% | $3,470-2.8% |
| Admin fee / account holder | $975 | $5,589-82.5% | $13,411-92.7% | $4,887-80.0% |