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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 | $108,206 | $77,816+39.1% | $123,552-12.4% | $64,173+68.6% |
| Participation rate | 89.3% | 74.7%+14.6pp | 82.3%+7.0pp | 69.6%+19.7pp |
| Annual return | -4.95% | 12.49%-17.4pp | 119.20%-124.2pp | 7.63%-12.6pp |
| Employer contribution / active EE | $888 | $3,014-70.5% | $4,628-80.8% | $2,381-62.7% |
| Participant deferral / active EE | $9,245 | $5,240+76.4% | $6,426+43.9% | $3,470+166.5% |
| Admin fee / account holder | $14,727 | $5,519+166.8% | $9,285+58.6% | $4,887+201.3% |