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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 | $30,418 | $77,817-60.9% | $123,553-75.4% | $64,173-52.6% |
| Participation rate | 89.2% | 74.7%+14.5pp | 82.3%+6.9pp | 69.6%+19.6pp |
| Annual return | -6.37% | 12.49%-18.9pp | 119.21%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $3,789 | $3,014+25.7% | $4,628-18.1% | $2,381+59.2% |
| Participant deferral / active EE | $3,704 | $5,240-29.3% | $6,426-42.4% | $3,470+6.8% |
| Admin fee / account holder | $874 | $5,519-84.2% | $9,284-90.6% | $4,887-82.1% |