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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 | $39,323 | $59,819-34.3% | $79,583-50.6% | $68,490-42.6% |
| Participation rate | 93.8% | 61.1%+32.7pp | 69.5%+24.3pp | 67.9%+25.9pp |
| Annual return | -9.45% | -12.30%+2.8pp | 0.16%-9.6pp | -7.85%-1.6pp |
| Employer contribution / active EE | $1,898 | $1,505+26.1% | $2,414-21.4% | $2,597-26.9% |
| Participant deferral / active EE | $5,207 | $3,025+72.2% | $3,986+30.7% | $4,028+29.3% |
| Admin fee / account holder | $585 | $4,835-87.9% | $6,835-91.4% | $5,403-89.2% |