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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 | $33,315 | $64,719-48.5% | $112,249-70.3% | $68,486-51.4% |
| Participation rate | 88.5% | 67.2%+21.3pp | 75.1%+13.4pp | 67.9%+20.6pp |
| Annual return | -17.79% | -11.40%-6.4pp | 27.48%-45.3pp | -7.85%-9.9pp |
| Employer contribution / active EE | $4,311 | $2,747+56.9% | $3,636+18.6% | $2,597+66.0% |
| Participant deferral / active EE | $3,882 | $3,565+8.9% | $4,729-17.9% | $4,028-3.6% |
| Admin fee / account holder | $1,142 | $5,232-78.2% | $6,412-82.2% | $5,404-78.9% |