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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 | $90,248 | $92,219-2.1% | $76,767+17.6% | $135,380-33.3% |
| Participation rate | 85.7% | 79.8%+5.9pp | 77.0%+8.8pp | 82.6%+3.1pp |
| Annual return | -7.84% | 5.46%-13.3pp | 2.43%-10.3pp | 519.81%-527.6pp |
| Employer contribution / active EE | $3,021 | $3,216-6.1% | $2,485+21.6% | $4,779-36.8% |
| Participant deferral / active EE | $5,988 | $4,508+32.8% | $3,852+55.5% | $5,609+6.8% |
| Admin fee / account holder | $1,852 | $10,749-82.8% | $6,675-72.3% | $10,828-82.9% |