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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 | $50,577 | $48,235+4.9% | $68,803-26.5% | $68,490-26.2% |
| Participation rate | 73.1% | 60.7%+12.4pp | 69.0%+4.1pp | 67.9%+5.2pp |
| Annual return | -17.51% | -12.70%-4.8pp | -6.37%-11.1pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,425 | $1,829-22.1% | $2,656-46.3% | $2,597-45.1% |
| Participant deferral / active EE | $1,750 | $2,867-39.0% | $3,942-55.6% | $4,028-56.6% |
| Admin fee / account holder | $1,495 | $4,361-65.7% | $4,936-69.7% | $5,403-72.3% |