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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 | $48,267 | $52,911-8.8% | $73,309-34.2% | $59,633-19.1% |
| Participation rate | 76.2% | 68.2%+8.0pp | 74.9%+1.3pp | 68.7%+7.5pp |
| Annual return | -1.78% | 12.20%-14.0pp | 5.67%-7.5pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $5,339 | $1,909+179.7% | $3,237+64.9% | $2,203+142.4% |
| Participant deferral / active EE | $4,408 | $4,069+8.3% | $4,991-11.7% | $3,192+38.1% |
| Admin fee / account holder | $429 | $3,835-88.8% | $5,635-92.4% | $4,297-90.0% |