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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 | $44,880 | $77,816-42.3% | $123,549-63.7% | $64,181-30.1% |
| Participation rate | 77.9% | 74.7%+3.2pp | 82.3%-4.4pp | 69.6%+8.4pp |
| Annual return | -2.89% | 12.49%-15.4pp | 119.20%-122.1pp | 7.63%-10.5pp |
| Employer contribution / active EE | $2,841 | $3,014-5.8% | $4,628-38.6% | $2,381+19.3% |
| Participant deferral / active EE | $5,695 | $5,240+8.7% | $6,426-11.4% | $3,470+64.2% |
| Admin fee / account holder | $1,823 | $5,519-67.0% | $9,284-80.4% | $4,887-62.7% |