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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 | $41,391 | $71,878-42.4% | $86,698-52.3% | $68,486-39.6% |
| Participation rate | 88.5% | 72.2%+16.3pp | 76.6%+11.9pp | 67.9%+20.6pp |
| Annual return | -15.92% | 3.53%-19.5pp | 35.95%-51.9pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,366 | $2,173-37.2% | $2,837-51.9% | $2,597-47.4% |
| Participant deferral / active EE | $3,026 | $3,779-19.9% | $4,656-35.0% | $4,028-24.9% |
| Admin fee / account holder | $2,824 | $6,113-53.8% | $7,493-62.3% | $5,404-47.7% |