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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 | $40,267 | $129,960-69.0% | $104,299-61.4% | $134,545-70.1% |
| Participation rate | 81.0% | 79.5%+1.4pp | 73.3%+7.7pp | 81.2%-0.3pp |
| Annual return | -16.28% | 42.06%-58.3pp | 24.62%-40.9pp | 418.37%-434.7pp |
| Employer contribution / active EE | $1,619 | $4,186-61.3% | $3,373-52.0% | $4,742-65.9% |
| Participant deferral / active EE | $4,971 | $5,589-11.1% | $4,626+7.5% | $6,401-22.3% |
| Admin fee / account holder | $2,197 | $9,324-76.4% | $7,339-70.1% | $11,431-80.8% |