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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 | $14,874 | $87,546-83.0% | $75,784-80.4% | $125,389-88.1% |
| Participation rate | 80.0% | 80.2%-0.2pp | 75.8%+4.2pp | 83.2%-3.2pp |
| Annual return | -2.05% | 13.49%-15.5pp | 9.68%-11.7pp | 282.24%-284.3pp |
| Employer contribution / active EE | $2,483 | $3,930-36.8% | $3,323-25.3% | $4,866-49.0% |
| Participant deferral / active EE | $5,120 | $4,230+21.0% | $3,652+40.2% | $5,352-4.3% |
| Admin fee / account holder | $4,082 | $6,503-37.2% | $5,300-23.0% | $9,541-57.2% |