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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 | $51,313 | $99,032-48.2% | $80,022-35.9% | $135,380-62.1% |
| Participation rate | 85.7% | 78.4%+7.4pp | 75.8%+9.9pp | 82.6%+3.1pp |
| Annual return | -2.96% | 15.39%-18.3pp | 11.22%-14.2pp | 519.81%-522.8pp |
| Employer contribution / active EE | $1,512 | $3,043-50.3% | $2,468-38.7% | $4,779-68.4% |
| Participant deferral / active EE | $2,975 | $4,282-30.5% | $3,686-19.3% | $5,609-47.0% |
| Admin fee / account holder | $2,209 | $10,436-78.8% | $6,521-66.1% | $10,828-79.6% |