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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 | $125,536 | $100,811+24.5% | $86,698+44.8% | $134,545-6.7% |
| Participation rate | 78.3% | 79.0%-0.7pp | 76.6%+1.7pp | 81.2%-3.0pp |
| Annual return | -9.27% | 29.11%-38.4pp | 35.96%-45.2pp | 418.37%-427.6pp |
| Employer contribution / active EE | $1,042 | $3,490-70.1% | $2,837-63.3% | $4,742-78.0% |
| Participant deferral / active EE | $7,134 | $5,339+33.6% | $4,656+53.2% | $6,401+11.4% |
| Admin fee / account holder | $707 | $10,926-93.5% | $7,492-90.6% | $11,431-93.8% |