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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 | $97,760 | $53,162+83.9% | $91,225+7.2% | $68,486+42.7% |
| Participation rate | 79.3% | 63.2%+16.1pp | 73.2%+6.1pp | 67.9%+11.4pp |
| Annual return | -18.86% | -3.14%-15.7pp | 114.12%-133.0pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,778 | $1,709+4.0% | $2,851-37.6% | $2,597-31.5% |
| Participant deferral / active EE | $4,413 | $2,974+48.4% | $4,233+4.2% | $4,028+9.6% |
| Admin fee / account holder | $970 | $4,493-78.4% | $5,422-82.1% | $5,404-82.0% |