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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 | $137,583 | $131,835+4.4% | $108,582+26.7% | $273,972-49.8% |
| Participation rate | 88.9% | 83.5%+5.4pp | 79.6%+9.3pp | 83.0%+5.9pp |
| Annual return | 2.85% | -91.57%+94.4pp | -51.70%+54.5pp | 41.46%-38.6pp |
| Employer contribution / active EE | $8,749 | $4,913+78.1% | $3,758+132.8% | $4,869+79.7% |
| Participant deferral / active EE | $2,936 | $5,127-42.7% | $4,311-31.9% | $5,287-44.5% |
| Admin fee / account holder | $652 | $10,253-93.6% | $7,645-91.5% | $10,133-93.6% |