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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 | $143,864 | $100,811+42.7% | $86,698+65.9% | $134,545+6.9% |
| Participation rate | 70.8% | 79.0%-8.1pp | 76.6%-5.8pp | 81.2%-10.4pp |
| Annual return | -12.59% | 29.11%-41.7pp | 35.96%-48.5pp | 418.37%-431.0pp |
| Employer contribution / active EE | $2,728 | $3,490-21.8% | $2,837-3.8% | $4,742-42.5% |
| Participant deferral / active EE | $3,890 | $5,339-27.1% | $4,656-16.5% | $6,401-39.2% |
| Admin fee / account holder | $2,381 | $10,926-78.2% | $7,492-68.2% | $11,431-79.2% |