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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 | $91,150 | $81,870+11.3% | $119,608-23.8% | $68,495+33.1% |
| Participation rate | 76.2% | 71.9%+4.3pp | 79.3%-3.1pp | 67.9%+8.3pp |
| Annual return | -15.34% | -23.82%+8.5pp | -14.98%-0.4pp | -7.84%-7.5pp |
| Employer contribution / active EE | $1,892 | $2,692-29.7% | $4,232-55.3% | $2,596-27.1% |
| Participant deferral / active EE | $3,841 | $4,148-7.4% | $5,601-31.4% | $4,028-4.6% |
| Admin fee / account holder | $4,531 | $6,583-31.2% | $10,326-56.1% | $5,403-16.1% |