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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 | $63,471 | $71,878-11.7% | $86,698-26.8% | $68,486-7.3% |
| Participation rate | 75.0% | 72.2%+2.8pp | 76.6%-1.6pp | 67.9%+7.1pp |
| Annual return | -14.65% | 3.53%-18.2pp | 35.95%-50.6pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,827 | $2,173-15.9% | $2,837-35.6% | $2,597-29.6% |
| Participant deferral / active EE | $3,608 | $3,779-4.5% | $4,656-22.5% | $4,028-10.4% |
| Admin fee / account holder | $2,928 | $6,113-52.1% | $7,493-60.9% | $5,404-45.8% |