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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 | $33,459 | $56,339-40.6% | $104,301-67.9% | $68,486-51.1% |
| Participation rate | 77.8% | 63.3%+14.5pp | 73.3%+4.5pp | 67.9%+9.9pp |
| Annual return | -16.55% | -9.19%-7.4pp | 24.61%-41.2pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,623 | $1,960+33.8% | $3,373-22.2% | $2,597+1.0% |
| Participant deferral / active EE | $5,216 | $3,077+69.5% | $4,626+12.7% | $4,028+29.5% |
| Admin fee / account holder | $497 | $4,902-89.9% | $7,340-93.2% | $5,404-90.8% |