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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 | $52,875 | $71,872-26.4% | $86,691-39.0% | $68,495-22.8% |
| Participation rate | 95.5% | 72.2%+23.2pp | 76.6%+18.9pp | 67.9%+27.6pp |
| Annual return | -14.05% | 3.53%-17.6pp | 35.94%-50.0pp | -7.84%-6.2pp |
| Employer contribution / active EE | $1,515 | $2,173-30.3% | $2,837-46.6% | $2,596-41.7% |
| Participant deferral / active EE | $3,397 | $3,779-10.1% | $4,656-27.0% | $4,028-15.7% |
| Admin fee / account holder | $1,114 | $6,112-81.8% | $7,492-85.1% | $5,403-79.4% |