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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 | $61,257 | $71,872-14.8% | $86,691-29.3% | $68,495-10.6% |
| Participation rate | 82.1% | 72.2%+9.9pp | 76.6%+5.6pp | 67.9%+14.3pp |
| Annual return | -14.31% | 3.53%-17.8pp | 35.94%-50.2pp | -7.84%-6.5pp |
| Employer contribution / active EE | $1,226 | $2,173-43.6% | $2,837-56.8% | $2,596-52.8% |
| Participant deferral / active EE | $3,555 | $3,779-5.9% | $4,656-23.7% | $4,028-11.7% |
| Admin fee / account holder | $957 | $6,112-84.3% | $7,492-87.2% | $5,403-82.3% |