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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 | $48,763 | $64,729-24.7% | $112,263-56.6% | $68,490-28.8% |
| Participation rate | 75.0% | 67.2%+7.8pp | 75.1%-0.1pp | 67.9%+7.1pp |
| Annual return | -15.12% | -11.40%-3.7pp | 27.49%-42.6pp | -7.85%-7.3pp |
| Employer contribution / active EE | $2,153 | $2,746-21.6% | $3,636-40.8% | $2,597-17.1% |
| Participant deferral / active EE | $3,765 | $3,566+5.6% | $4,729-20.4% | $4,028-6.5% |
| Admin fee / account holder | $2,621 | $5,222-49.8% | $6,410-59.1% | $5,403-51.5% |