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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 | $41,012 | $46,697-12.2% | $117,533-65.1% | $68,486-40.1% |
| Participation rate | 82.9% | 56.8%+26.1pp | 70.6%+12.3pp | 67.9%+15.0pp |
| Annual return | -15.04% | -14.52%-0.5pp | 29.77%-44.8pp | -7.85%-7.2pp |
| Employer contribution / active EE | $2,246 | $1,506+49.2% | $4,179-46.3% | $2,597-13.5% |
| Participant deferral / active EE | $3,596 | $2,637+36.3% | $4,072-11.7% | $4,028-10.7% |
| Admin fee / account holder | $1,252 | $4,023-68.9% | $5,647-77.8% | $5,404-76.8% |