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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 | $65,258 | $81,870-20.3% | $119,622-45.4% | $68,486-4.7% |
| Participation rate | 74.1% | 71.9%+2.2pp | 79.3%-5.1pp | 67.9%+6.2pp |
| Annual return | -16.44% | -23.82%+7.4pp | -14.98%-1.5pp | -7.85%-8.6pp |
| Employer contribution / active EE | $1,134 | $2,692-57.9% | $4,232-73.2% | $2,597-56.3% |
| Participant deferral / active EE | $2,807 | $4,148-32.3% | $5,601-49.9% | $4,028-30.3% |
| Admin fee / account holder | $2,331 | $6,583-64.6% | $10,328-77.4% | $5,404-56.9% |