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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 | $50,738 | $52,911-4.1% | $73,309-30.8% | $59,633-14.9% |
| Participation rate | 71.4% | 68.2%+3.2pp | 74.9%-3.5pp | 68.7%+2.8pp |
| Annual return | -0.54% | 12.20%-12.7pp | 5.67%-6.2pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $5,034 | $1,909+163.7% | $3,237+55.5% | $2,203+128.5% |
| Participant deferral / active EE | $6,359 | $4,069+56.3% | $4,991+27.4% | $3,192+99.2% |
| Admin fee / account holder | $5,436 | $3,835+41.8% | $5,635-3.5% | $4,297+26.5% |