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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 | $40,272 | $112,300-64.1% | $90,223-55.4% | $125,389-67.9% |
| Participation rate | 86.7% | 82.9%+3.8pp | 79.0%+7.6pp | 83.2%+3.5pp |
| Annual return | -1.93% | -0.57%-1.4pp | 1.31%-3.2pp | 282.24%-284.2pp |
| Employer contribution / active EE | $2,857 | $5,181-44.9% | $4,378-34.7% | $4,866-41.3% |
| Participant deferral / active EE | $4,572 | $6,733-32.1% | $5,792-21.1% | $5,352-14.6% |
| Admin fee / account holder | $3,808 | $10,990-65.3% | $7,406-48.6% | $9,541-60.1% |