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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 | $54,618 | $64,719-15.6% | $112,249-51.3% | $68,486-20.2% |
| Participation rate | 72.7% | 67.2%+5.6pp | 75.1%-2.3pp | 67.9%+4.8pp |
| Annual return | -17.08% | -11.40%-5.7pp | 27.48%-44.6pp | -7.85%-9.2pp |
| Employer contribution / active EE | $3,393 | $2,747+23.5% | $3,636-6.7% | $2,597+30.7% |
| Participant deferral / active EE | $6,634 | $3,565+86.1% | $4,729+40.3% | $4,028+64.7% |
| Admin fee / account holder | $2,440 | $5,232-53.4% | $6,412-61.9% | $5,404-54.8% |