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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 | $80,999 | $59,819+35.4% | $79,583+1.8% | $68,490+18.3% |
| Participation rate | 70.2% | 61.1%+9.1pp | 69.5%+0.7pp | 67.9%+2.3pp |
| Annual return | -15.14% | -12.30%-2.8pp | 0.16%-15.3pp | -7.85%-7.3pp |
| Employer contribution / active EE | $1,256 | $1,505-16.6% | $2,414-48.0% | $2,597-51.6% |
| Participant deferral / active EE | $4,323 | $3,025+42.9% | $3,986+8.5% | $4,028+7.3% |
| Admin fee / account holder | $2,461 | $4,835-49.1% | $6,835-64.0% | $5,403-54.4% |