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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 | $44,788 | $77,817-42.4% | $123,553-63.7% | $64,173-30.2% |
| Participation rate | 89.3% | 74.7%+14.6pp | 82.3%+7.0pp | 69.6%+19.8pp |
| Annual return | -7.18% | 12.49%-19.7pp | 119.21%-126.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $4,257 | $3,014+41.2% | $4,628-8.0% | $2,381+78.8% |
| Participant deferral / active EE | $7,246 | $5,240+38.3% | $6,426+12.8% | $3,470+108.8% |
| Admin fee / account holder | $3,563 | $5,519-35.4% | $9,284-61.6% | $4,887-27.1% |