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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 | $49,051 | $77,816-37.0% | $123,552-60.3% | $64,173-23.6% |
| Participation rate | 83.3% | 74.7%+8.6pp | 82.3%+1.0pp | 69.6%+13.8pp |
| Annual return | -7.13% | 12.49%-19.6pp | 119.20%-126.3pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,894 | $3,014-37.2% | $4,628-59.1% | $2,381-20.4% |
| Participant deferral / active EE | $7,532 | $5,240+43.7% | $6,426+17.2% | $3,470+117.1% |
| Admin fee / account holder | $2,642 | $5,519-52.1% | $9,285-71.5% | $4,887-45.9% |