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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 | $75,644 | $77,817-2.8% | $123,553-38.8% | $64,173+17.9% |
| Participation rate | 86.0% | 74.7%+11.3pp | 82.3%+3.7pp | 69.6%+16.4pp |
| Annual return | -4.97% | 12.49%-17.5pp | 119.21%-124.2pp | 7.63%-12.6pp |
| Employer contribution / active EE | $3,589 | $3,014+19.1% | $4,628-22.5% | $2,381+50.7% |
| Participant deferral / active EE | $3,525 | $5,240-32.7% | $6,426-45.1% | $3,470+1.6% |
| Admin fee / account holder | $2,127 | $5,519-61.5% | $9,284-77.1% | $4,887-56.5% |