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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 | $45,348 | $97,020-53.3% | $83,327-45.6% | $135,380-66.5% |
| Participation rate | 80.0% | 80.4%-0.4pp | 77.8%+2.2pp | 82.6%-2.6pp |
| Annual return | -3.36% | 12.31%-15.7pp | 10.64%-14.0pp | 519.81%-523.2pp |
| Employer contribution / active EE | $2,348 | $4,144-43.3% | $3,379-30.5% | $4,779-50.9% |
| Participant deferral / active EE | $8,089 | $5,964+35.6% | $5,565+45.4% | $5,609+44.2% |
| Admin fee / account holder | $4,183 | $8,426-50.4% | $7,540-44.5% | $10,828-61.4% |