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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 | $24,983 | $71,878-65.2% | $86,698-71.2% | $68,486-63.5% |
| Participation rate | 80.0% | 72.2%+7.8pp | 76.6%+3.4pp | 67.9%+12.1pp |
| Annual return | -15.60% | 3.53%-19.1pp | 35.95%-51.5pp | -7.85%-7.7pp |
| Employer contribution / active EE | $1,435 | $2,173-33.9% | $2,837-49.4% | $2,597-44.7% |
| Participant deferral / active EE | $3,901 | $3,779+3.2% | $4,656-16.2% | $4,028-3.1% |
| Admin fee / account holder | $3,368 | $6,113-44.9% | $7,493-55.0% | $5,404-37.7% |