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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 | $31,751 | $77,817-59.2% | $123,553-74.3% | $64,173-50.5% |
| Participation rate | 80.0% | 74.7%+5.3pp | 82.3%-2.3pp | 69.6%+10.4pp |
| Annual return | -6.52% | 12.49%-19.0pp | 119.21%-125.7pp | 7.63%-14.2pp |
| Employer contribution / active EE | $2,985 | $3,014-1.0% | $4,628-35.5% | $2,381+25.4% |
| Participant deferral / active EE | $3,018 | $5,240-42.4% | $6,426-53.0% | $3,470-13.0% |
| Admin fee / account holder | $1,792 | $5,519-67.5% | $9,284-80.7% | $4,887-63.3% |