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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 | $50,742 | $59,813-15.2% | $79,580-36.2% | $68,486-25.9% |
| Participation rate | 92.5% | 61.1%+31.4pp | 69.5%+23.0pp | 67.9%+24.6pp |
| Annual return | -18.19% | -12.30%-5.9pp | 0.15%-18.3pp | -7.85%-10.3pp |
| Employer contribution / active EE | $5,015 | $1,505+233.2% | $2,413+107.8% | $2,597+93.1% |
| Participant deferral / active EE | $3,814 | $3,024+26.1% | $3,985-4.3% | $4,028-5.3% |
| Admin fee / account holder | $452 | $4,835-90.6% | $6,835-93.4% | $5,404-91.6% |