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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 | $61,644 | $48,235+27.8% | $68,803-10.4% | $68,490-10.0% |
| Participation rate | 78.0% | 60.7%+17.4pp | 69.0%+9.0pp | 67.9%+10.2pp |
| Annual return | -14.80% | -12.70%-2.1pp | -6.37%-8.4pp | -7.85%-6.9pp |
| Employer contribution / active EE | $1,556 | $1,829-14.9% | $2,656-41.4% | $2,597-40.1% |
| Participant deferral / active EE | $4,772 | $2,867+66.5% | $3,942+21.1% | $4,028+18.5% |
| Admin fee / account holder | $316 | $4,361-92.8% | $4,936-93.6% | $5,403-94.2% |