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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 | $40,703 | $71,872-43.4% | $86,691-53.0% | $68,495-40.6% |
| Participation rate | 90.0% | 72.2%+17.8pp | 76.6%+13.4pp | 67.9%+22.1pp |
| Annual return | -12.96% | 3.53%-16.5pp | 35.94%-48.9pp | -7.84%-5.1pp |
| Employer contribution / active EE | $1,440 | $2,173-33.7% | $2,837-49.2% | $2,596-44.5% |
| Participant deferral / active EE | $3,930 | $3,779+4.0% | $4,656-15.6% | $4,028-2.4% |
| Admin fee / account holder | $6,656 | $6,112+8.9% | $7,492-11.2% | $5,403+23.2% |