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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 | $39,417 | $77,817-49.3% | $123,553-68.1% | $64,173-38.6% |
| Participation rate | 95.2% | 74.7%+20.4pp | 82.3%+12.9pp | 69.6%+25.6pp |
| Annual return | -6.18% | 12.49%-18.7pp | 119.21%-125.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $2,145 | $3,014-28.8% | $4,628-53.7% | $2,381-9.9% |
| Participant deferral / active EE | $6,766 | $5,240+29.1% | $6,426+5.3% | $3,470+95.0% |
| Admin fee / account holder | $353 | $5,519-93.6% | $9,284-96.2% | $4,887-92.8% |