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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 | $21,034 | $77,816-73.0% | $123,552-83.0% | $64,173-67.2% |
| Participation rate | 70.8% | 74.7%-3.9pp | 82.3%-11.5pp | 69.6%+1.3pp |
| Annual return | -5.79% | 12.49%-18.3pp | 119.20%-125.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,487 | $3,014-50.6% | $4,628-67.9% | $2,381-37.5% |
| Participant deferral / active EE | $2,264 | $5,240-56.8% | $6,426-64.8% | $3,470-34.7% |
| Admin fee / account holder | $1,461 | $5,519-73.5% | $9,285-84.3% | $4,887-70.1% |