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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 | $47,124 | $72,404-34.9% | $110,243-57.3% | $64,173-26.6% |
| Participation rate | 77.4% | 73.3%+4.1pp | 79.8%-2.4pp | 69.6%+7.8pp |
| Annual return | 0.58% | -6.29%+6.9pp | 314.76%-314.2pp | 7.63%-7.0pp |
| Employer contribution / active EE | $2,011 | $2,282-11.8% | $3,827-47.4% | $2,381-15.5% |
| Participant deferral / active EE | $4,427 | $3,469+27.6% | $4,672-5.3% | $3,470+27.6% |
| Admin fee / account holder | $993 | $5,664-82.5% | $8,548-88.4% | $4,887-79.7% |