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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 | $48,197 | $92,219-47.7% | $76,768-37.2% | $135,379-64.4% |
| Participation rate | 92.9% | 79.8%+13.1pp | 77.0%+15.9pp | 82.6%+10.2pp |
| Annual return | -6.61% | 5.46%-12.1pp | 2.43%-9.0pp | 519.79%-526.4pp |
| Employer contribution / active EE | $1,008 | $3,216-68.6% | $2,485-59.4% | $4,779-78.9% |
| Participant deferral / active EE | $2,614 | $4,508-42.0% | $3,852-32.1% | $5,609-53.4% |
| Admin fee / account holder | $14,627 | $10,749+36.1% | $6,675+119.1% | $10,828+35.1% |