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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 | $30,813 | $64,719-52.4% | $112,249-72.5% | $68,486-55.0% |
| Participation rate | 98.4% | 67.2%+31.2pp | 75.1%+23.3pp | 67.9%+30.5pp |
| Annual return | -8.39% | -11.40%+3.0pp | 27.48%-35.9pp | -7.85%-0.5pp |
| Employer contribution / active EE | $1,915 | $2,747-30.3% | $3,636-47.3% | $2,597-26.2% |
| Participant deferral / active EE | $4,178 | $3,565+17.2% | $4,729-11.7% | $4,028+3.7% |
| Admin fee / account holder | $2,584 | $5,232-50.6% | $6,412-59.7% | $5,404-52.2% |