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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 | $40,666 | $77,817-47.7% | $123,553-67.1% | $64,173-36.6% |
| Participation rate | 96.8% | 74.7%+22.1pp | 82.3%+14.5pp | 69.6%+27.2pp |
| Annual return | -4.62% | 12.49%-17.1pp | 119.21%-123.8pp | 7.63%-12.2pp |
| Employer contribution / active EE | $3,480 | $3,014+15.5% | $4,628-24.8% | $2,381+46.2% |
| Participant deferral / active EE | $6,543 | $5,240+24.9% | $6,426+1.8% | $3,470+88.6% |
| Admin fee / account holder | $457 | $5,519-91.7% | $9,284-95.1% | $4,887-90.7% |