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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 | $58,123 | $95,193-38.9% | $76,523-24.0% | $135,382-57.1% |
| Participation rate | 80.0% | 74.4%+5.6pp | 68.0%+12.0pp | 82.6%-2.6pp |
| Annual return | -4.14% | 4.85%-9.0pp | -0.27%-3.9pp | 519.77%-523.9pp |
| Employer contribution / active EE | $2,819 | $3,302-14.6% | $2,647+6.5% | $4,779-41.0% |
| Participant deferral / active EE | $2,601 | $4,639-43.9% | $3,835-32.2% | $5,609-53.6% |
| Admin fee / account holder | $860 | $6,249-86.2% | $4,848-82.3% | $10,829-92.1% |