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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 | $77,484 | $105,866-26.8% | $90,766-14.6% | $134,545-42.4% |
| Participation rate | 77.8% | 78.3%-0.5pp | 75.7%+2.1pp | 81.2%-3.5pp |
| Annual return | -11.49% | -10.99%-0.5pp | -12.16%+0.7pp | 418.37%-429.9pp |
| Employer contribution / active EE | $4,058 | $3,464+17.2% | $2,922+38.9% | $4,742-14.4% |
| Participant deferral / active EE | $6,136 | $5,217+17.6% | $4,565+34.4% | $6,401-4.1% |
| Admin fee / account holder | $547 | $13,938-96.1% | $8,446-93.5% | $11,431-95.2% |