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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 | $113,314 | $131,835-14.0% | $108,582+4.4% | $273,972-58.6% |
| Participation rate | 70.6% | 83.5%-12.9pp | 79.6%-9.0pp | 83.0%-12.4pp |
| Annual return | 6.77% | -91.57%+98.3pp | -51.70%+58.5pp | 41.46%-34.7pp |
| Employer contribution / active EE | $1,423 | $4,913-71.0% | $3,758-62.1% | $4,869-70.8% |
| Participant deferral / active EE | $2,731 | $5,127-46.7% | $4,311-36.6% | $5,287-48.3% |
| Admin fee / account holder | $16,109 | $10,253+57.1% | $7,645+110.7% | $10,133+59.0% |