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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 | $38,268 | $71,878-46.8% | $86,698-55.9% | $68,486-44.1% |
| Participation rate | 88.9% | 72.2%+16.6pp | 76.6%+12.3pp | 67.9%+21.0pp |
| Annual return | -18.50% | 3.53%-22.0pp | 35.95%-54.4pp | -7.85%-10.6pp |
| Employer contribution / active EE | $4,277 | $2,173+96.8% | $2,837+50.8% | $2,597+64.7% |
| Participant deferral / active EE | $1,849 | $3,779-51.1% | $4,656-60.3% | $4,028-54.1% |
| Admin fee / account holder | $495 | $6,113-91.9% | $7,493-93.4% | $5,404-90.8% |