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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 | $47,981 | $77,817-38.3% | $123,553-61.2% | $64,173-25.2% |
| Participation rate | 78.8% | 74.7%+4.1pp | 82.3%-3.5pp | 69.6%+9.2pp |
| Annual return | -5.34% | 12.49%-17.8pp | 119.21%-124.5pp | 7.63%-13.0pp |
| Employer contribution / active EE | $3,432 | $3,014+13.9% | $4,628-25.8% | $2,381+44.2% |
| Participant deferral / active EE | $6,149 | $5,240+17.3% | $6,426-4.3% | $3,470+77.2% |
| Admin fee / account holder | $1,907 | $5,519-65.5% | $9,284-79.5% | $4,887-61.0% |