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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 | $51,620 | $95,193-45.8% | $76,523-32.5% | $135,382-61.9% |
| Participation rate | 90.9% | 74.4%+16.5pp | 68.0%+22.9pp | 82.6%+8.3pp |
| Annual return | -7.10% | 4.85%-11.9pp | -0.27%-6.8pp | 519.77%-526.9pp |
| Employer contribution / active EE | $2,878 | $3,302-12.9% | $2,647+8.7% | $4,779-39.8% |
| Participant deferral / active EE | $3,401 | $4,639-26.7% | $3,835-11.3% | $5,609-39.4% |
| Admin fee / account holder | $2,706 | $6,249-56.7% | $4,848-44.2% | $10,829-75.0% |