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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 | $56,143 | $77,817-27.9% | $123,553-54.6% | $64,173-12.5% |
| Participation rate | 84.3% | 74.7%+9.6pp | 82.3%+2.0pp | 69.6%+14.7pp |
| Annual return | -6.27% | 12.49%-18.8pp | 119.21%-125.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,494 | $3,014-50.4% | $4,628-67.7% | $2,381-37.3% |
| Participant deferral / active EE | $3,371 | $5,240-35.7% | $6,426-47.5% | $3,470-2.8% |
| Admin fee / account holder | $674 | $5,519-87.8% | $9,284-92.7% | $4,887-86.2% |