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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 | $92,232 | $112,300-17.9% | $90,223+2.2% | $125,389-26.4% |
| Participation rate | 81.8% | 82.9%-1.1pp | 79.0%+2.8pp | 83.2%-1.4pp |
| Annual return | -3.01% | -0.57%-2.4pp | 1.31%-4.3pp | 282.24%-285.3pp |
| Employer contribution / active EE | $4,592 | $5,181-11.4% | $4,378+4.9% | $4,866-5.6% |
| Participant deferral / active EE | $6,568 | $6,733-2.4% | $5,792+13.4% | $5,352+22.7% |
| Admin fee / account holder | $12,254 | $10,990+11.5% | $7,406+65.5% | $9,541+28.4% |