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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 | $49,375 | $73,863-33.2% | $143,797-65.7% | $68,490-27.9% |
| Participation rate | 83.9% | 66.7%+17.2pp | 80.3%+3.6pp | 67.9%+16.0pp |
| Annual return | -16.16% | 0.91%-17.1pp | -0.04%-16.1pp | -7.85%-8.3pp |
| Employer contribution / active EE | $3,972 | $3,185+24.7% | $4,952-19.8% | $2,597+53.0% |
| Participant deferral / active EE | $4,006 | $3,385+18.3% | $5,638-29.0% | $4,028-0.6% |
| Admin fee / account holder | $529 | $5,756-90.8% | $14,679-96.4% | $5,403-90.2% |