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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 | $39,003 | $81,870-52.4% | $119,622-67.4% | $68,486-43.1% |
| Participation rate | 70.2% | 71.9%-1.7pp | 79.3%-9.1pp | 67.9%+2.3pp |
| Annual return | -16.54% | -23.82%+7.3pp | -14.98%-1.6pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,918 | $2,692+8.4% | $4,232-31.1% | $2,597+12.4% |
| Participant deferral / active EE | $6,287 | $4,148+51.6% | $5,601+12.3% | $4,028+56.1% |
| Admin fee / account holder | $2,039 | $6,583-69.0% | $10,328-80.3% | $5,404-62.3% |