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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 | $44,056 | $58,093-24.2% | $80,022-44.9% | $56,289-21.7% |
| Participation rate | 83.2% | 73.6%+9.6pp | 75.8%+7.3pp | 69.9%+13.3pp |
| Annual return | -6.56% | 34.63%-41.2pp | 11.22%-17.8pp | -9.96%+3.4pp |
| Employer contribution / active EE | $1,033 | $1,933-46.6% | $2,468-58.2% | $2,111-51.1% |
| Participant deferral / active EE | $3,442 | $3,136+9.8% | $3,686-6.6% | $3,350+2.7% |
| Admin fee / account holder | $2,839 | $623+356.0% | $6,521-56.5% | $521+445.0% |