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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 | $82,333 | $71,873+14.6% | $86,698-5.0% | $68,490+20.2% |
| Participation rate | 77.3% | 72.2%+5.0pp | 76.6%+0.7pp | 67.9%+9.4pp |
| Annual return | -17.15% | 3.54%-20.7pp | 35.96%-53.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,136 | $2,173-47.7% | $2,837-59.9% | $2,597-56.2% |
| Participant deferral / active EE | $2,633 | $3,779-30.3% | $4,656-43.4% | $4,028-34.6% |
| Admin fee / account holder | $10,047 | $6,110+64.4% | $7,492+34.1% | $5,403+86.0% |