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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 | $39,227 | $77,817-49.6% | $123,553-68.3% | $64,173-38.9% |
| Participation rate | 80.0% | 74.7%+5.3pp | 82.3%-2.3pp | 69.6%+10.4pp |
| Annual return | -6.82% | 12.49%-19.3pp | 119.21%-126.0pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,518 | $3,014-49.6% | $4,628-67.2% | $2,381-36.2% |
| Participant deferral / active EE | $4,228 | $5,240-19.3% | $6,426-34.2% | $3,470+21.8% |
| Admin fee / account holder | $553 | $5,519-90.0% | $9,284-94.0% | $4,887-88.7% |