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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 | $54,533 | $81,840-33.4% | $63,412-14.0% | $125,389-56.5% |
| Participation rate | 80.0% | 73.0%+7.0pp | 67.1%+12.9pp | 83.2%-3.2pp |
| Annual return | -2.31% | -0.10%-2.2pp | 4.04%-6.4pp | 282.24%-284.6pp |
| Employer contribution / active EE | $2,578 | $2,377+8.5% | $1,814+42.1% | $4,866-47.0% |
| Participant deferral / active EE | $11,655 | $3,064+280.4% | $2,496+367.0% | $5,352+117.8% |
| Admin fee / account holder | $1,140 | $4,951-77.0% | $3,753-69.6% | $9,541-88.1% |