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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 | $22,143 | $97,881-77.4% | $80,004-72.3% | $125,389-82.3% |
| Participation rate | 87.5% | 77.9%+9.6pp | 73.0%+14.5pp | 83.2%+4.3pp |
| Annual return | -3.63% | 9.36%-13.0pp | 7.63%-11.3pp | 282.24%-285.9pp |
| Employer contribution / active EE | $1,701 | $3,128-45.6% | $2,473-31.2% | $4,866-65.0% |
| Participant deferral / active EE | $3,138 | $3,744-16.2% | $3,204-2.0% | $5,352-41.4% |
| Admin fee / account holder | $410 | $6,278-93.5% | $5,033-91.9% | $9,541-95.7% |