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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 | $36,834 | $45,872-19.7% | $77,096-52.2% | $68,486-46.2% |
| Participation rate | 73.0% | 55.9%+17.1pp | 67.9%+5.0pp | 67.9%+5.1pp |
| Annual return | -19.12% | 1.73%-20.8pp | 42.35%-61.5pp | -7.85%-11.3pp |
| Employer contribution / active EE | $518 | $1,650-68.6% | $2,814-81.6% | $2,597-80.1% |
| Participant deferral / active EE | $3,526 | $2,963+19.0% | $4,429-20.4% | $4,028-12.4% |
| Admin fee / account holder | $6,331 | $3,041+108.2% | $5,428+16.6% | $5,404+17.2% |