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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 | $52,087 | $95,188-45.3% | $76,518-31.9% | $135,380-61.5% |
| Participation rate | 75.0% | 74.4%+0.6pp | 68.0%+7.0pp | 82.6%-7.6pp |
| Annual return | -7.36% | 4.85%-12.2pp | -0.27%-7.1pp | 519.81%-527.2pp |
| Employer contribution / active EE | $1,083 | $3,303-67.2% | $2,647-59.1% | $4,779-77.3% |
| Participant deferral / active EE | $3,688 | $4,640-20.5% | $3,836-3.9% | $5,609-34.3% |
| Admin fee / account holder | $470 | $6,249-92.5% | $4,849-90.3% | $10,828-95.7% |