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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 | $62,059 | $71,878-13.7% | $86,698-28.4% | $68,486-9.4% |
| Participation rate | 80.0% | 72.2%+7.8pp | 76.6%+3.4pp | 67.9%+12.1pp |
| Annual return | -17.83% | 3.53%-21.4pp | 35.95%-53.8pp | -7.85%-10.0pp |
| Employer contribution / active EE | $1,008 | $2,173-53.6% | $2,837-64.5% | $2,597-61.2% |
| Participant deferral / active EE | $5,327 | $3,779+41.0% | $4,656+14.4% | $4,028+32.3% |
| Admin fee / account holder | $573 | $6,113-90.6% | $7,493-92.4% | $5,404-89.4% |