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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 | $107,776 | $158,852-32.2% | $121,220-11.1% | $135,379-20.4% |
| Participation rate | 73.7% | 79.3%-5.6pp | 71.8%+1.9pp | 82.6%-9.0pp |
| Annual return | -8.33% | -0.64%-7.7pp | 16.94%-25.3pp | 519.79%-528.1pp |
| Employer contribution / active EE | $2,133 | $5,666-62.4% | $4,023-47.0% | $4,779-55.4% |
| Participant deferral / active EE | $4,683 | $4,006+16.9% | $3,345+40.0% | $5,609-16.5% |
| Admin fee / account holder | $3,286 | $6,515-49.6% | $5,021-34.6% | $10,828-69.7% |