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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 | $61,858 | $77,816-20.5% | $123,552-49.9% | $64,173-3.6% |
| Participation rate | 89.3% | 74.7%+14.6pp | 82.3%+7.0pp | 69.6%+19.7pp |
| Annual return | -5.24% | 12.49%-17.7pp | 119.20%-124.4pp | 7.63%-12.9pp |
| Employer contribution / active EE | $2,709 | $3,014-10.1% | $4,628-41.5% | $2,381+13.8% |
| Participant deferral / active EE | $5,122 | $5,240-2.2% | $6,426-20.3% | $3,470+47.6% |
| Admin fee / account holder | $9,113 | $5,519+65.1% | $9,285-1.8% | $4,887+86.5% |