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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 | $38,354 | $77,817-50.7% | $123,553-69.0% | $64,173-40.2% |
| Participation rate | 78.0% | 74.7%+3.3pp | 82.3%-4.3pp | 69.6%+8.4pp |
| Annual return | -8.03% | 12.49%-20.5pp | 119.21%-127.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $3,104 | $3,014+3.0% | $4,628-32.9% | $2,381+30.4% |
| Participant deferral / active EE | $7,174 | $5,240+36.9% | $6,426+11.6% | $3,470+106.8% |
| Admin fee / account holder | $1,892 | $5,519-65.7% | $9,284-79.6% | $4,887-61.3% |