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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 | $31,498 | $77,817-59.5% | $123,553-74.5% | $64,173-50.9% |
| Participation rate | 80.0% | 74.7%+5.3pp | 82.3%-2.3pp | 69.6%+10.4pp |
| Annual return | -3.82% | 12.49%-16.3pp | 119.21%-123.0pp | 7.63%-11.5pp |
| Employer contribution / active EE | $5,558 | $3,014+84.4% | $4,628+20.1% | $2,381+133.4% |
| Participant deferral / active EE | $0 | $5,240-100.0% | $6,426-100.0% | $3,470-100.0% |
| Admin fee / account holder | $554 | $5,519-90.0% | $9,284-94.0% | $4,887-88.7% |