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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 | $93,253 | $77,817+19.8% | $123,553-24.5% | $64,173+45.3% |
| Participation rate | 92.2% | 74.7%+17.5pp | 82.3%+9.9pp | 69.6%+22.6pp |
| Annual return | -6.12% | 12.49%-18.6pp | 119.21%-125.3pp | 7.63%-13.8pp |
| Employer contribution / active EE | $2,168 | $3,014-28.1% | $4,628-53.1% | $2,381-8.9% |
| Participant deferral / active EE | $4,966 | $5,240-5.2% | $6,426-22.7% | $3,470+43.1% |
| Admin fee / account holder | $11,112 | $5,519+101.3% | $9,284+19.7% | $4,887+127.3% |