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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 | $40,323 | $81,870-50.7% | $119,634-66.3% | $68,490-41.1% |
| Participation rate | 90.8% | 71.9%+18.9pp | 79.3%+11.5pp | 67.9%+22.9pp |
| Annual return | -15.70% | -23.82%+8.1pp | -14.98%-0.7pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,947 | $2,692-27.7% | $4,232-54.0% | $2,597-25.0% |
| Participant deferral / active EE | $3,495 | $4,148-15.7% | $5,601-37.6% | $4,028-13.2% |
| Admin fee / account holder | $2,642 | $6,583-59.9% | $10,329-74.4% | $5,403-51.1% |