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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 | $65,798 | $77,816-15.4% | $123,552-46.7% | $64,173+2.5% |
| Participation rate | 81.7% | 74.7%+7.0pp | 82.3%-0.6pp | 69.6%+12.1pp |
| Annual return | -6.39% | 12.49%-18.9pp | 119.20%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $2,588 | $3,014-14.1% | $4,628-44.1% | $2,381+8.7% |
| Participant deferral / active EE | $7,639 | $5,240+45.8% | $6,426+18.9% | $3,470+120.2% |
| Admin fee / account holder | $1,110 | $5,519-79.9% | $9,285-88.0% | $4,887-77.3% |