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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 | $32,846 | $50,947-35.5% | $74,549-55.9% | $64,173-48.8% |
| Participation rate | 73.5% | 61.1%+12.5pp | 69.1%+4.4pp | 69.6%+4.0pp |
| Annual return | -5.04% | -1.85%-3.2pp | 32.53%-37.6pp | 7.63%-12.7pp |
| Employer contribution / active EE | $3,476 | $1,115+211.6% | $1,961+77.3% | $2,381+46.0% |
| Participant deferral / active EE | $2,361 | $2,302+2.6% | $3,108-24.0% | $3,470-32.0% |
| Admin fee / account holder | $1,027 | $4,221-75.7% | $5,059-79.7% | $4,887-79.0% |