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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 | $103,995 | $77,817+33.6% | $123,553-15.8% | $64,173+62.1% |
| Participation rate | 86.8% | 74.7%+12.1pp | 82.3%+4.5pp | 69.6%+17.2pp |
| Annual return | -4.83% | 12.49%-17.3pp | 119.21%-124.0pp | 7.63%-12.5pp |
| Employer contribution / active EE | $3,392 | $3,014+12.5% | $4,628-26.7% | $2,381+42.5% |
| Participant deferral / active EE | $7,503 | $5,240+43.2% | $6,426+16.8% | $3,470+116.3% |
| Admin fee / account holder | $3,132 | $5,519-43.2% | $9,284-66.3% | $4,887-35.9% |