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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 | $49,413 | $72,404-31.8% | $110,241-55.2% | $64,181-23.0% |
| Participation rate | 70.2% | 73.3%-3.2pp | 79.8%-9.6pp | 69.6%+0.6pp |
| Annual return | -7.21% | -6.29%-0.9pp | 314.75%-322.0pp | 7.63%-14.8pp |
| Employer contribution / active EE | $2,078 | $2,282-8.9% | $3,827-45.7% | $2,381-12.7% |
| Participant deferral / active EE | $4,287 | $3,469+23.6% | $4,672-8.2% | $3,470+23.6% |
| Admin fee / account holder | $1,015 | $5,664-82.1% | $8,548-88.1% | $4,887-79.2% |