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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 | $43,342 | $64,716-33.0% | $112,258-61.4% | $68,495-36.7% |
| Participation rate | 88.0% | 67.2%+20.9pp | 75.1%+13.0pp | 67.9%+20.2pp |
| Annual return | -15.65% | -11.40%-4.3pp | 27.47%-43.1pp | -7.84%-7.8pp |
| Employer contribution / active EE | $1,666 | $2,746-39.3% | $3,636-54.2% | $2,596-35.8% |
| Participant deferral / active EE | $3,660 | $3,565+2.7% | $4,728-22.6% | $4,028-9.1% |
| Admin fee / account holder | $1,264 | $5,232-75.8% | $6,411-80.3% | $5,403-76.6% |