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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 | $69,427 | $83,908-17.3% | $68,509+1.3% | $125,388-44.6% |
| Participation rate | 87.5% | 78.2%+9.3pp | 74.7%+12.8pp | 83.2%+4.3pp |
| Annual return | -2.59% | 14.48%-17.1pp | 8.27%-10.9pp | 282.24%-284.8pp |
| Employer contribution / active EE | $7,571 | $3,031+149.8% | $2,278+232.4% | $4,866+55.6% |
| Participant deferral / active EE | $4,259 | $4,125+3.2% | $3,382+25.9% | $5,352-20.4% |
| Admin fee / account holder | $2,713 | $8,982-69.8% | $5,275-48.6% | $9,541-71.6% |