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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 | $47,178 | $59,819-21.1% | $79,583-40.7% | $68,490-31.1% |
| Participation rate | 75.6% | 61.1%+14.5pp | 69.5%+6.1pp | 67.9%+7.7pp |
| Annual return | -17.53% | -12.30%-5.2pp | 0.16%-17.7pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,664 | $1,505+10.5% | $2,414-31.1% | $2,597-35.9% |
| Participant deferral / active EE | $6,385 | $3,025+111.1% | $3,986+60.2% | $4,028+58.5% |
| Admin fee / account holder | $1,105 | $4,835-77.1% | $6,835-83.8% | $5,403-79.5% |