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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 | $58,548 | $99,032-40.9% | $80,022-26.8% | $135,380-56.8% |
| Participation rate | 88.2% | 78.4%+9.9pp | 75.8%+12.4pp | 82.6%+5.6pp |
| Annual return | -8.64% | 15.39%-24.0pp | 11.22%-19.9pp | 519.81%-528.4pp |
| Employer contribution / active EE | $2,758 | $3,043-9.4% | $2,468+11.8% | $4,779-42.3% |
| Participant deferral / active EE | $6,111 | $4,282+42.7% | $3,686+65.8% | $5,609+8.9% |
| Admin fee / account holder | $1,027 | $10,436-90.2% | $6,521-84.2% | $10,828-90.5% |