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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 | $20,384 | $99,032-79.4% | $80,022-74.5% | $135,380-84.9% |
| Participation rate | 85.7% | 78.4%+7.4pp | 75.8%+9.9pp | 82.6%+3.1pp |
| Annual return | -3.90% | 15.39%-19.3pp | 11.22%-15.1pp | 519.81%-523.7pp |
| Employer contribution / active EE | $1,470 | $3,043-51.7% | $2,468-40.5% | $4,779-69.2% |
| Participant deferral / active EE | $4,155 | $4,282-3.0% | $3,686+12.7% | $5,609-25.9% |
| Admin fee / account holder | $1,032 | $10,436-90.1% | $6,521-84.2% | $10,828-90.5% |