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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 | $40,616 | $49,280-17.6% | $67,313-39.7% | $64,173-36.7% |
| Participation rate | 74.4% | 60.8%+13.7pp | 69.1%+5.4pp | 69.6%+4.9pp |
| Annual return | -6.62% | -1.39%-5.2pp | -4.08%-2.5pp | 7.63%-14.3pp |
| Employer contribution / active EE | $914 | $1,668-45.2% | $2,566-64.4% | $2,381-61.6% |
| Participant deferral / active EE | $3,105 | $2,484+25.0% | $3,568-13.0% | $3,470-10.5% |
| Admin fee / account holder | $2,108 | $3,863-45.4% | $4,507-53.2% | $4,887-56.9% |