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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 | $55,792 | $77,817-28.3% | $123,553-54.8% | $64,173-13.1% |
| Participation rate | 81.8% | 74.7%+7.1pp | 82.3%-0.5pp | 69.6%+12.2pp |
| Annual return | -3.00% | 12.49%-15.5pp | 119.21%-122.2pp | 7.63%-10.6pp |
| Employer contribution / active EE | $1,363 | $3,014-54.8% | $4,628-70.5% | $2,381-42.7% |
| Participant deferral / active EE | $13,186 | $5,240+151.6% | $6,426+105.2% | $3,470+280.0% |
| Admin fee / account holder | $4,878 | $5,519-11.6% | $9,284-47.5% | $4,887-0.2% |