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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 | $87,337 | $77,817+12.2% | $123,553-29.3% | $64,173+36.1% |
| Participation rate | 75.7% | 74.7%+1.0pp | 82.3%-6.6pp | 69.6%+6.1pp |
| Annual return | -6.56% | 12.49%-19.0pp | 119.21%-125.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,453 | $3,014-51.8% | $4,628-68.6% | $2,381-39.0% |
| Participant deferral / active EE | $7,203 | $5,240+37.5% | $6,426+12.1% | $3,470+107.6% |
| Admin fee / account holder | $1,144 | $5,519-79.3% | $9,284-87.7% | $4,887-76.6% |