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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 | $48,743 | $72,177-32.5% | $115,038-57.6% | $59,633-18.3% |
| Participation rate | 75.7% | 72.6%+3.1pp | 81.4%-5.7pp | 68.7%+7.0pp |
| Annual return | -1.94% | 12.02%-14.0pp | 26.14%-28.1pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $1,285 | $2,841-54.8% | $4,608-72.1% | $2,203-41.7% |
| Participant deferral / active EE | $6,660 | $4,783+39.2% | $6,026+10.5% | $3,192+108.7% |
| Admin fee / account holder | $2,690 | $4,927-45.4% | $8,175-67.1% | $4,297-37.4% |