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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 | $64,575 | $73,009-11.6% | $90,760-28.9% | $68,486-5.7% |
| Participation rate | 87.3% | 70.8%+16.5pp | 75.7%+11.6pp | 67.9%+19.4pp |
| Annual return | -1.53% | -13.81%+12.3pp | -12.16%+10.6pp | -7.85%+6.3pp |
| Employer contribution / active EE | $2,371 | $2,193+8.2% | $2,922-18.8% | $2,597-8.7% |
| Participant deferral / active EE | $5,069 | $3,626+39.8% | $4,565+11.0% | $4,028+25.9% |
| Admin fee / account holder | $2,089 | $5,896-64.6% | $8,444-75.3% | $5,404-61.3% |