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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 | $45,276 | $64,729-30.1% | $112,263-59.7% | $68,490-33.9% |
| Participation rate | 82.1% | 67.2%+14.9pp | 75.1%+7.0pp | 67.9%+14.2pp |
| Annual return | -18.89% | -11.40%-7.5pp | 27.49%-46.4pp | -7.85%-11.0pp |
| Employer contribution / active EE | $3,458 | $2,746+25.9% | $3,636-4.9% | $2,597+33.2% |
| Participant deferral / active EE | $5,074 | $3,566+42.3% | $4,729+7.3% | $4,028+26.0% |
| Admin fee / account holder | $2,483 | $5,222-52.5% | $6,410-61.3% | $5,403-54.0% |