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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 | $44,239 | $77,817-43.2% | $123,553-64.2% | $64,173-31.1% |
| Participation rate | 71.2% | 74.7%-3.5pp | 82.3%-11.1pp | 69.6%+1.6pp |
| Annual return | -5.67% | 12.49%-18.2pp | 119.21%-124.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $4,250 | $3,014+41.0% | $4,628-8.2% | $2,381+78.5% |
| Participant deferral / active EE | $4,026 | $5,240-23.2% | $6,426-37.3% | $3,470+16.0% |
| Admin fee / account holder | $502 | $5,519-90.9% | $9,284-94.6% | $4,887-89.7% |