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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 | $99,688 | $77,816+28.1% | $123,552-19.3% | $64,173+55.3% |
| Participation rate | 91.9% | 74.7%+17.2pp | 82.3%+9.6pp | 69.6%+22.3pp |
| Annual return | -6.57% | 12.49%-19.1pp | 119.20%-125.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $2,909 | $3,014-3.5% | $4,628-37.1% | $2,381+22.2% |
| Participant deferral / active EE | $7,478 | $5,240+42.7% | $6,426+16.4% | $3,470+115.5% |
| Admin fee / account holder | $943 | $5,519-82.9% | $9,285-89.8% | $4,887-80.7% |