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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 | $42,519 | $73,848-42.4% | $143,799-70.4% | $68,486-37.9% |
| Participation rate | 90.6% | 66.7%+24.0pp | 80.3%+10.3pp | 67.9%+22.7pp |
| Annual return | -10.04% | 0.91%-11.0pp | -0.04%-10.0pp | -7.85%-2.2pp |
| Employer contribution / active EE | $2,417 | $3,184-24.1% | $4,952-51.2% | $2,597-6.9% |
| Participant deferral / active EE | $4,576 | $3,385+35.2% | $5,638-18.8% | $4,028+13.6% |
| Admin fee / account holder | $425 | $5,755-92.6% | $14,677-97.1% | $5,404-92.1% |