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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 | $90,618 | $110,083-17.7% | $151,639-40.2% | $68,486+32.3% |
| Participation rate | 76.4% | 84.0%-7.6pp | 87.5%-11.1pp | 67.9%+8.5pp |
| Annual return | -17.65% | -10.12%-7.5pp | 3.34%-21.0pp | -7.85%-9.8pp |
| Employer contribution / active EE | $2,659 | $4,470-40.5% | $6,165-56.9% | $2,597+2.4% |
| Participant deferral / active EE | $5,742 | $6,526-12.0% | $8,363-31.3% | $4,028+42.6% |
| Admin fee / account holder | $2,010 | $7,718-74.0% | $11,613-82.7% | $5,404-62.8% |