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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 | $36,363 | $73,848-50.8% | $143,799-74.7% | $68,486-46.9% |
| Participation rate | 86.0% | 66.7%+19.4pp | 80.3%+5.7pp | 67.9%+18.2pp |
| Annual return | -11.94% | 0.91%-12.9pp | -0.04%-11.9pp | -7.85%-4.1pp |
| Employer contribution / active EE | $2,665 | $3,184-16.3% | $4,952-46.2% | $2,597+2.6% |
| Participant deferral / active EE | $4,590 | $3,385+35.6% | $5,638-18.6% | $4,028+14.0% |
| Admin fee / account holder | $3,704 | $5,755-35.6% | $14,677-74.8% | $5,404-31.5% |