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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 | $36,812 | $71,878-48.8% | $86,698-57.5% | $68,486-46.2% |
| Participation rate | 84.1% | 72.2%+11.9pp | 76.6%+7.5pp | 67.9%+16.2pp |
| Annual return | -14.34% | 3.53%-17.9pp | 35.95%-50.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $2,128 | $2,173-2.1% | $2,837-25.0% | $2,597-18.1% |
| Participant deferral / active EE | $6,148 | $3,779+62.7% | $4,656+32.0% | $4,028+52.7% |
| Admin fee / account holder | $4,327 | $6,113-29.2% | $7,493-42.2% | $5,404-19.9% |