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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 | $42,619 | $49,280-13.5% | $67,313-36.7% | $64,181-33.6% |
| Participation rate | 91.4% | 60.8%+30.6pp | 69.1%+22.3pp | 69.6%+21.9pp |
| Annual return | -6.82% | -1.39%-5.4pp | -4.08%-2.7pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,633 | $1,668-2.1% | $2,566-36.3% | $2,381-31.4% |
| Participant deferral / active EE | $2,567 | $2,484+3.3% | $3,568-28.1% | $3,470-26.0% |
| Admin fee / account holder | $1,015 | $3,863-73.7% | $4,507-77.5% | $4,887-79.2% |