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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 | $32,573 | $48,235-32.5% | $68,803-52.7% | $68,490-52.4% |
| Participation rate | 86.5% | 60.7%+25.8pp | 69.0%+17.5pp | 67.9%+18.6pp |
| Annual return | -16.34% | -12.70%-3.6pp | -6.37%-10.0pp | -7.85%-8.5pp |
| Employer contribution / active EE | $2,837 | $1,829+55.1% | $2,656+6.8% | $2,597+9.2% |
| Participant deferral / active EE | $1,881 | $2,867-34.4% | $3,942-52.3% | $4,028-53.3% |
| Admin fee / account holder | $9,961 | $4,361+128.4% | $4,936+101.8% | $5,403+84.4% |