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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 | $39,527 | $50,947-22.4% | $74,551-47.0% | $64,173-38.4% |
| Participation rate | 84.5% | 61.1%+23.4pp | 69.1%+15.3pp | 69.6%+14.9pp |
| Annual return | -4.52% | -1.85%-2.7pp | 32.53%-37.1pp | 7.63%-12.2pp |
| Employer contribution / active EE | $1,833 | $1,115+64.3% | $1,961-6.5% | $2,381-23.0% |
| Participant deferral / active EE | $2,853 | $2,302+24.0% | $3,108-8.2% | $3,470-17.8% |
| Admin fee / account holder | $614 | $4,221-85.5% | $5,059-87.9% | $4,887-87.4% |