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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 | $45,747 | $45,872-0.3% | $77,100-40.7% | $68,490-33.2% |
| Participation rate | 78.9% | 55.9%+23.0pp | 67.9%+11.0pp | 67.9%+11.1pp |
| Annual return | -13.90% | 1.73%-15.6pp | 42.35%-56.3pp | -7.85%-6.0pp |
| Employer contribution / active EE | $1,859 | $1,650+12.7% | $2,815-34.0% | $2,597-28.4% |
| Participant deferral / active EE | $3,313 | $2,963+11.8% | $4,430-25.2% | $4,028-17.7% |
| Admin fee / account holder | $13,342 | $3,041+338.7% | $5,443+145.1% | $5,403+146.9% |