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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 | $53,005 | $81,870-35.3% | $119,622-55.7% | $68,486-22.6% |
| Participation rate | 73.3% | 71.9%+1.4pp | 79.3%-5.9pp | 67.9%+5.4pp |
| Annual return | -18.60% | -23.82%+5.2pp | -14.98%-3.6pp | -7.85%-10.7pp |
| Employer contribution / active EE | $1,455 | $2,692-46.0% | $4,232-65.6% | $2,597-44.0% |
| Participant deferral / active EE | $4,048 | $4,148-2.4% | $5,601-27.7% | $4,028+0.5% |
| Admin fee / account holder | $3,545 | $6,583-46.2% | $10,328-65.7% | $5,404-34.4% |