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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 | $44,766 | $99,032-54.8% | $80,022-44.1% | $135,379-66.9% |
| Participation rate | 82.4% | 78.4%+4.0pp | 75.8%+6.5pp | 82.6%-0.3pp |
| Annual return | -6.59% | 15.39%-22.0pp | 11.22%-17.8pp | 519.79%-526.4pp |
| Employer contribution / active EE | $1,971 | $3,043-35.2% | $2,468-20.1% | $4,779-58.8% |
| Participant deferral / active EE | $4,623 | $4,282+8.0% | $3,686+25.4% | $5,609-17.6% |
| Admin fee / account holder | $5,383 | $10,436-48.4% | $6,521-17.5% | $10,828-50.3% |