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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 | $46,390 | $73,848-37.2% | $143,799-67.7% | $68,486-32.3% |
| Participation rate | 97.7% | 66.7%+31.1pp | 80.3%+17.4pp | 67.9%+29.8pp |
| Annual return | -16.32% | 0.91%-17.2pp | -0.04%-16.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $2,356 | $3,184-26.0% | $4,952-52.4% | $2,597-9.3% |
| Participant deferral / active EE | $3,267 | $3,385-3.5% | $5,638-42.1% | $4,028-18.9% |
| Admin fee / account holder | $796 | $5,755-86.2% | $14,677-94.6% | $5,404-85.3% |