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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 | $124,290 | $131,835-5.7% | $108,582+14.5% | $273,972-54.6% |
| Participation rate | 78.9% | 83.5%-4.5pp | 79.6%-0.6pp | 83.0%-4.1pp |
| Annual return | 6.94% | -91.57%+98.5pp | -51.70%+58.6pp | 41.46%-34.5pp |
| Employer contribution / active EE | $937 | $4,913-80.9% | $3,758-75.1% | $4,869-80.8% |
| Participant deferral / active EE | $4,900 | $5,127-4.4% | $4,311+13.7% | $5,287-7.3% |
| Admin fee / account holder | $698 | $10,253-93.2% | $7,645-90.9% | $10,133-93.1% |