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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 | $145,517 | $95,917+51.7% | $79,583+82.8% | $134,545+8.2% |
| Participation rate | 87.5% | 75.0%+12.5pp | 69.5%+18.0pp | 81.2%+6.3pp |
| Annual return | -19.53% | -2.70%-16.8pp | 0.16%-19.7pp | 418.37%-437.9pp |
| Employer contribution / active EE | $1,299 | $3,129-58.5% | $2,414-46.2% | $4,742-72.6% |
| Participant deferral / active EE | $3,691 | $4,694-21.4% | $3,986-7.4% | $6,401-42.3% |
| Admin fee / account holder | $1,812 | $9,132-80.2% | $6,835-73.5% | $11,431-84.1% |