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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 | $51,719 | $73,867-30.0% | $143,770-64.0% | $68,498-24.5% |
| Participation rate | 87.5% | 66.7%+20.8pp | 80.3%+7.2pp | 67.9%+19.6pp |
| Annual return | -15.00% | 1.01%-16.0pp | -0.04%-15.0pp | -7.84%-7.2pp |
| Employer contribution / active EE | $5,191 | $3,184+63.0% | $4,951+4.8% | $2,596+99.9% |
| Participant deferral / active EE | $3,052 | $3,384-9.8% | $5,638-45.9% | $4,027-24.2% |
| Admin fee / account holder | $1,052 | $5,755-81.7% | $14,673-92.8% | $5,403-80.5% |