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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 | $61,778 | $73,848-16.3% | $143,799-57.0% | $68,486-9.8% |
| Participation rate | 92.7% | 66.7%+26.0pp | 80.3%+12.4pp | 67.9%+24.8pp |
| Annual return | -17.13% | 0.91%-18.0pp | -0.04%-17.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,774 | $3,184-44.3% | $4,952-64.2% | $2,597-31.7% |
| Participant deferral / active EE | $4,555 | $3,385+34.6% | $5,638-19.2% | $4,028+13.1% |
| Admin fee / account holder | $1,351 | $5,755-76.5% | $14,677-90.8% | $5,404-75.0% |