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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 | $36,537 | $50,947-28.3% | $74,551-51.0% | $64,173-43.1% |
| Participation rate | 75.8% | 61.1%+14.7pp | 69.1%+6.6pp | 69.6%+6.2pp |
| Annual return | -7.28% | -1.85%-5.4pp | 32.53%-39.8pp | 7.63%-14.9pp |
| Employer contribution / active EE | $968 | $1,115-13.2% | $1,961-50.6% | $2,381-59.3% |
| Participant deferral / active EE | $3,462 | $2,302+50.4% | $3,108+11.4% | $3,470-0.2% |
| Admin fee / account holder | $1,985 | $4,221-53.0% | $5,059-60.8% | $4,887-59.4% |