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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 | $50,890 | $77,817-34.6% | $123,553-58.8% | $64,173-20.7% |
| Participation rate | 97.1% | 74.7%+22.4pp | 82.3%+14.8pp | 69.6%+27.6pp |
| Annual return | -6.99% | 12.49%-19.5pp | 119.21%-126.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $2,052 | $3,014-31.9% | $4,628-55.7% | $2,381-13.8% |
| Participant deferral / active EE | $10,028 | $5,240+91.4% | $6,426+56.1% | $3,470+189.0% |
| Admin fee / account holder | $1,094 | $5,519-80.2% | $9,284-88.2% | $4,887-77.6% |