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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 | $48,388 | $127,100-61.9% | $105,738-54.2% | $135,382-64.3% |
| Participation rate | 95.0% | 82.7%+12.3pp | 76.3%+18.7pp | 82.6%+12.4pp |
| Annual return | -8.29% | 4.49%-12.8pp | 6.27%-14.6pp | 519.77%-528.1pp |
| Employer contribution / active EE | $1,660 | $4,107-59.6% | $3,268-49.2% | $4,779-65.3% |
| Participant deferral / active EE | $6,495 | $5,064+28.2% | $4,080+59.2% | $5,609+15.8% |
| Admin fee / account holder | $936 | $9,087-89.7% | $6,913-86.5% | $10,829-91.4% |