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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 | $57,266 | $110,083-48.0% | $151,639-62.2% | $68,486-16.4% |
| Participation rate | 70.0% | 84.0%-14.0pp | 87.5%-17.5pp | 67.9%+2.1pp |
| Annual return | -18.39% | -10.12%-8.3pp | 3.34%-21.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $2,127 | $4,470-52.4% | $6,165-65.5% | $2,597-18.1% |
| Participant deferral / active EE | $5,632 | $6,526-13.7% | $8,363-32.7% | $4,028+39.8% |
| Admin fee / account holder | $3,664 | $7,718-52.5% | $11,613-68.5% | $5,404-32.2% |