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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 | $42,098 | $59,813-29.6% | $79,580-47.1% | $68,486-38.5% |
| Participation rate | 94.9% | 61.1%+33.8pp | 69.5%+25.4pp | 67.9%+27.0pp |
| Annual return | -16.59% | -12.30%-4.3pp | 0.15%-16.7pp | -7.85%-8.7pp |
| Employer contribution / active EE | $624 | $1,505-58.5% | $2,413-74.1% | $2,597-76.0% |
| Participant deferral / active EE | $2,808 | $3,024-7.2% | $3,985-29.5% | $4,028-30.3% |
| Admin fee / account holder | $427 | $4,835-91.2% | $6,835-93.8% | $5,404-92.1% |