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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 | $37,765 | $71,878-47.5% | $86,698-56.4% | $68,486-44.9% |
| Participation rate | 72.1% | 72.2%-0.2pp | 76.6%-4.5pp | 67.9%+4.2pp |
| Annual return | -13.19% | 3.53%-16.7pp | 35.95%-49.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $1,139 | $2,173-47.6% | $2,837-59.8% | $2,597-56.1% |
| Participant deferral / active EE | $2,144 | $3,779-43.3% | $4,656-54.0% | $4,028-46.8% |
| Admin fee / account holder | $4,623 | $6,113-24.4% | $7,493-38.3% | $5,404-14.5% |