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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 | $83,235 | $92,219-9.7% | $76,768+8.4% | $135,379-38.5% |
| Participation rate | 88.2% | 79.8%+8.5pp | 77.0%+11.3pp | 82.6%+5.6pp |
| Annual return | -4.66% | 5.46%-10.1pp | 2.43%-7.1pp | 519.79%-524.5pp |
| Employer contribution / active EE | $2,353 | $3,216-26.8% | $2,485-5.3% | $4,779-50.8% |
| Participant deferral / active EE | $7,282 | $4,508+61.5% | $3,852+89.1% | $5,609+29.8% |
| Admin fee / account holder | $1,729 | $10,749-83.9% | $6,675-74.1% | $10,828-84.0% |