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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 | $53,199 | $92,219-42.3% | $76,767-30.7% | $135,380-60.7% |
| Participation rate | 81.8% | 79.8%+2.0pp | 77.0%+4.9pp | 82.6%-0.8pp |
| Annual return | -8.15% | 5.46%-13.6pp | 2.43%-10.6pp | 519.81%-528.0pp |
| Employer contribution / active EE | $4,281 | $3,216+33.1% | $2,485+72.3% | $4,779-10.4% |
| Participant deferral / active EE | $4,644 | $4,508+3.0% | $3,852+20.6% | $5,609-17.2% |
| Admin fee / account holder | $4,706 | $10,749-56.2% | $6,675-29.5% | $10,828-56.5% |