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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 | $90,182 | $71,878+25.5% | $86,698+4.0% | $68,486+31.7% |
| Participation rate | 75.9% | 72.2%+3.6pp | 76.6%-0.7pp | 67.9%+8.0pp |
| Annual return | -9.11% | 3.53%-12.6pp | 35.95%-45.1pp | -7.85%-1.3pp |
| Employer contribution / active EE | $1,446 | $2,173-33.5% | $2,837-49.0% | $2,597-44.3% |
| Participant deferral / active EE | $3,331 | $3,779-11.9% | $4,656-28.5% | $4,028-17.3% |
| Admin fee / account holder | $25,022 | $6,113+309.4% | $7,493+234.0% | $5,404+363.1% |