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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 | $22,018 | $48,235-54.4% | $68,803-68.0% | $68,490-67.9% |
| Participation rate | 88.7% | 60.7%+28.0pp | 69.0%+19.7pp | 67.9%+20.8pp |
| Annual return | -15.55% | -12.70%-2.8pp | -6.37%-9.2pp | -7.85%-7.7pp |
| Employer contribution / active EE | $1,485 | $1,829-18.8% | $2,656-44.1% | $2,597-42.8% |
| Participant deferral / active EE | $3,097 | $2,867+8.0% | $3,942-21.4% | $4,028-23.1% |
| Admin fee / account holder | $3,667 | $4,361-15.9% | $4,936-25.7% | $5,403-32.1% |