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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 | $41,757 | $57,352-27.2% | $83,830-50.2% | $64,173-34.9% |
| Participation rate | 84.4% | 68.6%+15.8pp | 76.1%+8.2pp | 69.6%+14.8pp |
| Annual return | -5.98% | 11.38%-17.4pp | 850.97%-857.0pp | 7.63%-13.6pp |
| Employer contribution / active EE | $8,272 | $2,546+225.0% | $3,631+127.8% | $2,381+247.4% |
| Participant deferral / active EE | $1,805 | $2,993-39.7% | $4,082-55.8% | $3,470-48.0% |
| Admin fee / account holder | $3,297 | $4,046-18.5% | $5,479-39.8% | $4,887-32.5% |