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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 | $21,640 | $97,020-77.7% | $83,327-74.0% | $135,380-84.0% |
| Participation rate | 79.2% | 80.4%-1.2pp | 77.8%+1.4pp | 82.6%-3.5pp |
| Annual return | -8.48% | 12.31%-20.8pp | 10.64%-19.1pp | 519.81%-528.3pp |
| Employer contribution / active EE | $3,299 | $4,144-20.4% | $3,379-2.4% | $4,779-31.0% |
| Participant deferral / active EE | $9,551 | $5,964+60.1% | $5,565+71.6% | $5,609+70.3% |
| Admin fee / account holder | $2,515 | $8,426-70.2% | $7,540-66.7% | $10,828-76.8% |