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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 | $70,487 | $87,542-19.5% | $75,782-7.0% | $125,393-43.8% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -2.42% | 13.48%-15.9pp | 9.68%-12.1pp | 282.23%-284.7pp |
| Employer contribution / active EE | $2,103 | $3,930-46.5% | $3,323-36.7% | $4,866-56.8% |
| Participant deferral / active EE | $4,938 | $4,229+16.7% | $3,652+35.2% | $5,351-7.7% |
| Admin fee / account holder | $376 | $6,502-94.2% | $5,300-92.9% | $9,541-96.1% |