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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 | $35,292 | $25,979+35.8% | $71,755-50.8% | $68,486-48.5% |
| Participation rate | 88.9% | 54.5%+34.4pp | 62.3%+26.6pp | 67.9%+21.0pp |
| Annual return | -18.38% | -15.10%-3.3pp | 9.09%-27.5pp | -7.85%-10.5pp |
| Employer contribution / active EE | $4,138 | $900+359.6% | $1,704+142.9% | $2,597+59.4% |
| Participant deferral / active EE | $6,268 | $1,522+311.7% | $2,656+136.0% | $4,028+55.6% |
| Admin fee / account holder | $1,958 | $2,022-3.2% | $3,972-50.7% | $5,404-63.8% |