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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 | $35,812 | $71,878-50.2% | $86,698-58.7% | $68,486-47.7% |
| Participation rate | 91.9% | 72.2%+19.6pp | 76.6%+15.3pp | 67.9%+24.0pp |
| Annual return | -14.36% | 3.53%-17.9pp | 35.95%-50.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $942 | $2,173-56.6% | $2,837-66.8% | $2,597-63.7% |
| Participant deferral / active EE | $2,702 | $3,779-28.5% | $4,656-42.0% | $4,028-32.9% |
| Admin fee / account holder | $6,603 | $6,113+8.0% | $7,493-11.9% | $5,404+22.2% |