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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 | $42,700 | $49,280-13.4% | $67,313-36.6% | $64,173-33.5% |
| Participation rate | 74.4% | 60.8%+13.6pp | 69.1%+5.3pp | 69.6%+4.8pp |
| Annual return | -6.98% | -1.39%-5.6pp | -4.08%-2.9pp | 7.63%-14.6pp |
| Employer contribution / active EE | $5,988 | $1,668+258.9% | $2,566+133.4% | $2,381+151.5% |
| Participant deferral / active EE | $2,352 | $2,484-5.3% | $3,568-34.1% | $3,470-32.2% |
| Admin fee / account holder | $2,033 | $3,863-47.4% | $4,507-54.9% | $4,887-58.4% |