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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 | $41,753 | $85,790-51.3% | $67,313-38.0% | $135,379-69.2% |
| Participation rate | 88.9% | 76.5%+12.4pp | 69.1%+19.8pp | 82.6%+6.2pp |
| Annual return | -7.31% | -0.54%-6.8pp | -4.08%-3.2pp | 519.79%-527.1pp |
| Employer contribution / active EE | $2,303 | $3,487-34.0% | $2,566-10.2% | $4,779-51.8% |
| Participant deferral / active EE | $2,984 | $4,651-35.9% | $3,568-16.4% | $5,609-46.8% |
| Admin fee / account holder | $765 | $6,392-88.0% | $4,507-83.0% | $10,828-92.9% |