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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 | $47,197 | $100,805-53.2% | $86,698-45.6% | $134,532-64.9% |
| Participation rate | 84.6% | 79.0%+5.7pp | 76.6%+8.0pp | 81.2%+3.4pp |
| Annual return | -14.83% | 29.09%-43.9pp | 35.95%-50.8pp | 418.27%-433.1pp |
| Employer contribution / active EE | $1,990 | $3,490-43.0% | $2,837-29.9% | $4,741-58.0% |
| Participant deferral / active EE | $6,662 | $5,339+24.8% | $4,656+43.1% | $6,401+4.1% |
| Admin fee / account holder | $627 | $10,925-94.3% | $7,493-91.6% | $11,429-94.5% |