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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 | $27,346 | $71,878-62.0% | $86,698-68.5% | $68,486-60.1% |
| Participation rate | 88.0% | 72.2%+15.8pp | 76.6%+11.4pp | 67.9%+20.1pp |
| Annual return | -15.54% | 3.53%-19.1pp | 35.95%-51.5pp | -7.85%-7.7pp |
| Employer contribution / active EE | $2,526 | $2,173+16.2% | $2,837-10.9% | $2,597-2.7% |
| Participant deferral / active EE | $3,809 | $3,779+0.8% | $4,656-18.2% | $4,028-5.4% |
| Admin fee / account holder | $381 | $6,113-93.8% | $7,493-94.9% | $5,404-92.9% |