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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 | $70,609 | $64,719+9.1% | $112,249-37.1% | $68,486+3.1% |
| Participation rate | 92.8% | 67.2%+25.6pp | 75.1%+17.7pp | 67.9%+24.9pp |
| Annual return | -11.66% | -11.40%-0.3pp | 27.48%-39.1pp | -7.85%-3.8pp |
| Employer contribution / active EE | $1,439 | $2,747-47.6% | $3,636-60.4% | $2,597-44.6% |
| Participant deferral / active EE | $3,876 | $3,565+8.7% | $4,729-18.0% | $4,028-3.8% |
| Admin fee / account holder | $1,648 | $5,232-68.5% | $6,412-74.3% | $5,404-69.5% |