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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 | $183,545 | $59,116+210.5% | $86,438+112.3% | $68,486+168.0% |
| Participation rate | 70.0% | 75.2%-5.2pp | 80.3%-10.3pp | 67.9%+2.1pp |
| Annual return | -15.90% | -0.23%-15.7pp | 4397.19%-4413.1pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,922 | $2,519-23.7% | $3,769-49.0% | $2,597-26.0% |
| Participant deferral / active EE | $7,109 | $5,902+20.5% | $6,952+2.3% | $4,028+76.5% |
| Admin fee / account holder | $4,401 | $5,639-22.0% | $6,733-34.6% | $5,404-18.6% |