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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 | $58,523 | $71,873-18.6% | $86,698-32.5% | $68,490-14.6% |
| Participation rate | 76.6% | 72.2%+4.3pp | 76.6%0pp | 67.9%+8.7pp |
| Annual return | -13.04% | 3.54%-16.6pp | 35.96%-49.0pp | -7.85%-5.2pp |
| Employer contribution / active EE | $955 | $2,173-56.0% | $2,837-66.3% | $2,597-63.2% |
| Participant deferral / active EE | $2,232 | $3,779-40.9% | $4,656-52.1% | $4,028-44.6% |
| Admin fee / account holder | $1,057 | $6,110-82.7% | $7,492-85.9% | $5,403-80.4% |