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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 | $54,266 | $77,817-30.3% | $123,553-56.1% | $64,173-15.4% |
| Participation rate | 90.9% | 74.7%+16.2pp | 82.3%+8.6pp | 69.6%+21.3pp |
| Annual return | -7.83% | 12.49%-20.3pp | 119.21%-127.0pp | 7.63%-15.5pp |
| Employer contribution / active EE | $4,051 | $3,014+34.4% | $4,628-12.5% | $2,381+70.1% |
| Participant deferral / active EE | $4,758 | $5,240-9.2% | $6,426-26.0% | $3,470+37.1% |
| Admin fee / account holder | $522 | $5,519-90.5% | $9,284-94.4% | $4,887-89.3% |