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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 | $70,093 | $77,817-9.9% | $123,553-43.3% | $64,173+9.2% |
| Participation rate | 79.3% | 74.7%+4.6pp | 82.3%-3.0pp | 69.6%+9.7pp |
| Annual return | -5.62% | 12.49%-18.1pp | 119.21%-124.8pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,820 | $3,014-39.6% | $4,628-60.7% | $2,381-23.5% |
| Participant deferral / active EE | $3,589 | $5,240-31.5% | $6,426-44.1% | $3,470+3.4% |
| Admin fee / account holder | $6,136 | $5,519+11.2% | $9,284-33.9% | $4,887+25.5% |