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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 | $45,911 | $77,817-41.0% | $123,553-62.8% | $64,173-28.5% |
| Participation rate | 72.9% | 74.7%-1.8pp | 82.3%-9.4pp | 69.6%+3.3pp |
| Annual return | -4.94% | 12.49%-17.4pp | 119.21%-124.1pp | 7.63%-12.6pp |
| Employer contribution / active EE | $3,719 | $3,014+23.4% | $4,628-19.6% | $2,381+56.2% |
| Participant deferral / active EE | $6,917 | $5,240+32.0% | $6,426+7.6% | $3,470+99.3% |
| Admin fee / account holder | $1,611 | $5,519-70.8% | $9,284-82.6% | $4,887-67.0% |