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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 | $85,152 | $113,941-25.3% | $94,229-9.6% | $125,389-32.1% |
| Participation rate | 81.3% | 82.9%-1.6pp | 78.8%+2.5pp | 83.2%-1.9pp |
| Annual return | -1.87% | 5.29%-7.2pp | 10.68%-12.6pp | 282.24%-284.1pp |
| Employer contribution / active EE | $1,974 | $4,727-58.2% | $3,587-45.0% | $4,866-59.4% |
| Participant deferral / active EE | $2,550 | $5,179-50.8% | $4,320-41.0% | $5,352-52.3% |
| Admin fee / account holder | $2,131 | $8,392-74.6% | $6,269-66.0% | $9,541-77.7% |