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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 | $62,146 | $77,817-20.1% | $123,553-49.7% | $64,173-3.2% |
| Participation rate | 78.4% | 74.7%+3.7pp | 82.3%-3.9pp | 69.6%+8.9pp |
| Annual return | -7.40% | 12.49%-19.9pp | 119.21%-126.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $1,975 | $3,014-34.5% | $4,628-57.3% | $2,381-17.0% |
| Participant deferral / active EE | $4,734 | $5,240-9.7% | $6,426-26.3% | $3,470+36.4% |
| Admin fee / account holder | $4,878 | $5,519-11.6% | $9,284-47.5% | $4,887-0.2% |