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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 | $78,435 | $81,870-4.2% | $119,634-34.4% | $68,490+14.5% |
| Participation rate | 75.0% | 71.9%+3.1pp | 79.3%-4.3pp | 67.9%+7.1pp |
| Annual return | -12.31% | -23.82%+11.5pp | -14.98%+2.7pp | -7.85%-4.5pp |
| Employer contribution / active EE | $1,932 | $2,692-28.2% | $4,232-54.3% | $2,597-25.6% |
| Participant deferral / active EE | $4,107 | $4,148-1.0% | $5,601-26.7% | $4,028+2.0% |
| Admin fee / account holder | $1,851 | $6,583-71.9% | $10,329-82.1% | $5,403-65.7% |