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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 | $75,452 | $113,941-33.8% | $94,229-19.9% | $125,389-39.8% |
| Participation rate | 83.3% | 82.9%+0.4pp | 78.8%+4.6pp | 83.2%+0.1pp |
| Annual return | -1.54% | 5.29%-6.8pp | 10.68%-12.2pp | 282.24%-283.8pp |
| Employer contribution / active EE | $8,394 | $4,727+77.6% | $3,587+134.0% | $4,866+72.5% |
| Participant deferral / active EE | $5,421 | $5,179+4.7% | $4,320+25.5% | $5,352+1.3% |
| Admin fee / account holder | $823 | $8,392-90.2% | $6,269-86.9% | $9,541-91.4% |