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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 | $47,165 | $94,529-50.1% | $140,019-66.3% | $64,173-26.5% |
| Participation rate | 85.2% | 84.1%+1.1pp | 87.5%-2.3pp | 69.6%+15.6pp |
| Annual return | -4.42% | 7.77%-12.2pp | 651.15%-655.6pp | 7.63%-12.1pp |
| Employer contribution / active EE | $1,384 | $3,812-63.7% | $5,605-75.3% | $2,381-41.9% |
| Participant deferral / active EE | $6,319 | $5,250+20.4% | $6,927-8.8% | $3,470+82.1% |
| Admin fee / account holder | $10,863 | $6,741+61.1% | $10,705+1.5% | $4,887+122.3% |