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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 | $53,472 | $71,872-25.6% | $86,691-38.3% | $68,495-21.9% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -13.40% | 3.53%-16.9pp | 35.94%-49.3pp | -7.84%-5.6pp |
| Employer contribution / active EE | $1,326 | $2,173-39.0% | $2,837-53.3% | $2,596-48.9% |
| Participant deferral / active EE | $3,059 | $3,779-19.0% | $4,656-34.3% | $4,028-24.0% |
| Admin fee / account holder | $2,780 | $6,112-54.5% | $7,492-62.9% | $5,403-48.5% |