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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 | $55,336 | $73,848-25.1% | $143,799-61.5% | $68,486-19.2% |
| Participation rate | 70.4% | 66.7%+3.7pp | 80.3%-9.9pp | 67.9%+2.5pp |
| Annual return | -15.69% | 0.91%-16.6pp | -0.04%-15.6pp | -7.85%-7.8pp |
| Employer contribution / active EE | $2,141 | $3,184-32.8% | $4,952-56.8% | $2,597-17.5% |
| Participant deferral / active EE | $4,819 | $3,385+42.4% | $5,638-14.5% | $4,028+19.7% |
| Admin fee / account holder | $2,943 | $5,755-48.9% | $14,677-79.9% | $5,404-45.5% |