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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 | $44,682 | $99,032-54.9% | $80,022-44.2% | $135,380-67.0% |
| Participation rate | 94.7% | 78.4%+16.4pp | 75.8%+18.9pp | 82.6%+12.1pp |
| Annual return | -7.39% | 15.39%-22.8pp | 11.22%-18.6pp | 519.81%-527.2pp |
| Employer contribution / active EE | $1,879 | $3,043-38.3% | $2,468-23.9% | $4,779-60.7% |
| Participant deferral / active EE | $3,458 | $4,282-19.3% | $3,686-6.2% | $5,609-38.4% |
| Admin fee / account holder | $2,749 | $10,436-73.7% | $6,521-57.8% | $10,828-74.6% |