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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 | $125,062 | $77,816+60.7% | $123,549+1.2% | $64,181+94.9% |
| Participation rate | 78.7% | 74.7%+4.0pp | 82.3%-3.6pp | 69.6%+9.2pp |
| Annual return | -4.70% | 12.49%-17.2pp | 119.20%-123.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $691 | $3,014-77.1% | $4,628-85.1% | $2,381-71.0% |
| Participant deferral / active EE | $5,560 | $5,240+6.1% | $6,426-13.5% | $3,470+60.3% |
| Admin fee / account holder | $7,177 | $5,519+30.0% | $9,284-22.7% | $4,887+46.8% |