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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 | $43,185 | $81,870-47.3% | $119,634-63.9% | $68,490-36.9% |
| Participation rate | 95.1% | 71.9%+23.2pp | 79.3%+15.8pp | 67.9%+27.2pp |
| Annual return | -17.42% | -23.82%+6.4pp | -14.98%-2.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,036 | $2,692-24.4% | $4,232-51.9% | $2,597-21.6% |
| Participant deferral / active EE | $3,211 | $4,148-22.6% | $5,601-42.7% | $4,028-20.3% |
| Admin fee / account holder | $2,234 | $6,583-66.1% | $10,329-78.4% | $5,403-58.6% |