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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 | $42,758 | $50,947-16.1% | $74,551-42.6% | $64,173-33.4% |
| Participation rate | 78.0% | 61.1%+17.0pp | 69.1%+8.9pp | 69.6%+8.5pp |
| Annual return | -6.78% | -1.85%-4.9pp | 32.53%-39.3pp | 7.63%-14.4pp |
| Employer contribution / active EE | $2,747 | $1,115+146.3% | $1,961+40.1% | $2,381+15.4% |
| Participant deferral / active EE | $5,090 | $2,302+121.2% | $3,108+63.8% | $3,470+46.7% |
| Admin fee / account holder | $3,600 | $4,221-14.7% | $5,059-28.9% | $4,887-26.4% |