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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 | $78,912 | $131,835-40.1% | $108,582-27.3% | $273,972-71.2% |
| Participation rate | 80.0% | 83.5%-3.5pp | 79.6%+0.4pp | 83.0%-3.0pp |
| Annual return | 12.23% | -91.57%+103.8pp | -51.70%+63.9pp | 41.46%-29.2pp |
| Employer contribution / active EE | $3,504 | $4,913-28.7% | $3,758-6.8% | $4,869-28.0% |
| Participant deferral / active EE | $4,275 | $5,127-16.6% | $4,311-0.8% | $5,287-19.1% |
| Admin fee / account holder | $714 | $10,253-93.0% | $7,645-90.7% | $10,133-92.9% |