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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 | $59,259 | $50,947+16.3% | $74,551-20.5% | $64,173-7.7% |
| Participation rate | 80.0% | 61.1%+18.9pp | 69.1%+10.9pp | 69.6%+10.4pp |
| Annual return | -1.56% | -1.85%+0.3pp | 32.53%-34.1pp | 7.63%-9.2pp |
| Employer contribution / active EE | $946 | $1,115-15.2% | $1,961-51.7% | $2,381-60.3% |
| Participant deferral / active EE | $3,340 | $2,302+45.1% | $3,108+7.5% | $3,470-3.7% |
| Admin fee / account holder | $874 | $4,221-79.3% | $5,059-82.7% | $4,887-82.1% |