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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 | $45,577 | $57,352-20.5% | $83,831-45.6% | $64,173-29.0% |
| Participation rate | 77.8% | 68.6%+9.2pp | 76.1%+1.6pp | 69.6%+8.2pp |
| Annual return | -1.46% | 11.38%-12.8pp | 850.99%-852.4pp | 7.63%-9.1pp |
| Employer contribution / active EE | $1,271 | $2,546-50.1% | $3,631-65.0% | $2,381-46.6% |
| Participant deferral / active EE | $2,771 | $2,993-7.4% | $4,082-32.1% | $3,470-20.1% |
| Admin fee / account holder | $8,385 | $4,046+107.2% | $5,479+53.0% | $4,887+71.6% |