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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 | $140,022 | $83,908+66.9% | $68,509+104.4% | $125,389+11.7% |
| Participation rate | 77.8% | 78.2%-0.4pp | 74.7%+3.1pp | 83.2%-5.4pp |
| Annual return | -1.94% | 14.48%-16.4pp | 8.27%-10.2pp | 282.24%-284.2pp |
| Employer contribution / active EE | $1,676 | $3,031-44.7% | $2,278-26.4% | $4,866-65.6% |
| Participant deferral / active EE | $7,924 | $4,125+92.1% | $3,382+134.3% | $5,352+48.1% |
| Admin fee / account holder | $8,780 | $8,982-2.3% | $5,275+66.5% | $9,541-8.0% |