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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 | $45,435 | $83,908-45.9% | $68,509-33.7% | $125,389-63.8% |
| Participation rate | 77.8% | 78.2%-0.4pp | 74.7%+3.1pp | 83.2%-5.4pp |
| Annual return | -0.87% | 14.48%-15.3pp | 8.27%-9.1pp | 282.24%-283.1pp |
| Employer contribution / active EE | $2,031 | $3,031-33.0% | $2,278-10.9% | $4,866-58.3% |
| Participant deferral / active EE | $5,117 | $4,125+24.0% | $3,382+51.3% | $5,352-4.4% |
| Admin fee / account holder | $413 | $8,982-95.4% | $5,275-92.2% | $9,541-95.7% |