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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 | $28,301 | $77,817-63.6% | $123,553-77.1% | $64,173-55.9% |
| Participation rate | 90.6% | 74.7%+15.9pp | 82.3%+8.3pp | 69.6%+21.1pp |
| Annual return | -7.89% | 12.49%-20.4pp | 119.21%-127.1pp | 7.63%-15.5pp |
| Employer contribution / active EE | $941 | $3,014-68.8% | $4,628-79.7% | $2,381-60.5% |
| Participant deferral / active EE | $4,591 | $5,240-12.4% | $6,426-28.6% | $3,470+32.3% |
| Admin fee / account holder | $1,159 | $5,519-79.0% | $9,284-87.5% | $4,887-76.3% |