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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 | $43,963 | $92,219-52.3% | $76,767-42.7% | $135,380-67.5% |
| Participation rate | 83.3% | 79.8%+3.6pp | 77.0%+6.4pp | 82.6%+0.7pp |
| Annual return | -8.68% | 5.46%-14.1pp | 2.43%-11.1pp | 519.81%-528.5pp |
| Employer contribution / active EE | $3,009 | $3,216-6.4% | $2,485+21.1% | $4,779-37.0% |
| Participant deferral / active EE | $6,019 | $4,508+33.5% | $3,852+56.3% | $5,609+7.3% |
| Admin fee / account holder | $472 | $10,749-95.6% | $6,675-92.9% | $10,828-95.6% |