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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 | $45,913 | $53,162-13.6% | $91,225-49.7% | $68,486-33.0% |
| Participation rate | 76.9% | 63.2%+13.7pp | 73.2%+3.7pp | 67.9%+9.0pp |
| Annual return | -17.40% | -3.14%-14.3pp | 114.12%-131.5pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,606 | $1,709-6.0% | $2,851-43.7% | $2,597-38.1% |
| Participant deferral / active EE | $4,592 | $2,974+54.4% | $4,233+8.5% | $4,028+14.0% |
| Admin fee / account holder | $443 | $4,493-90.1% | $5,422-91.8% | $5,404-91.8% |