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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 | $79,898 | $110,083-27.4% | $151,645-47.3% | $68,490+16.7% |
| Participation rate | 72.9% | 84.0%-11.0pp | 87.5%-14.6pp | 67.9%+5.0pp |
| Annual return | -7.85% | -10.12%+2.3pp | 3.34%-11.2pp | -7.85%0pp |
| Employer contribution / active EE | $2,607 | $4,470-41.7% | $6,165-57.7% | $2,597+0.4% |
| Participant deferral / active EE | $6,837 | $6,526+4.8% | $8,363-18.2% | $4,028+69.7% |
| Admin fee / account holder | $428 | $7,718-94.5% | $11,614-96.3% | $5,403-92.1% |