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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 | $87,533 | $73,839+18.5% | $143,788-39.1% | $68,495+27.8% |
| Participation rate | 76.2% | 66.7%+9.5pp | 80.3%-4.1pp | 67.9%+8.3pp |
| Annual return | -17.27% | 1.01%-18.3pp | -0.03%-17.2pp | -7.84%-9.4pp |
| Employer contribution / active EE | $1,498 | $3,184-52.9% | $4,952-69.7% | $2,596-42.3% |
| Participant deferral / active EE | $2,203 | $3,384-34.9% | $5,638-60.9% | $4,028-45.3% |
| Admin fee / account holder | $3,542 | $5,755-38.5% | $14,675-75.9% | $5,403-34.5% |