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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 | $37,174 | $64,719-42.6% | $112,249-66.9% | $68,486-45.7% |
| Participation rate | 83.3% | 67.2%+16.2pp | 75.1%+8.3pp | 67.9%+15.4pp |
| Annual return | -16.35% | -11.40%-5.0pp | 27.48%-43.8pp | -7.85%-8.5pp |
| Employer contribution / active EE | $2,072 | $2,747-24.6% | $3,636-43.0% | $2,597-20.2% |
| Participant deferral / active EE | $4,628 | $3,565+29.8% | $4,729-2.1% | $4,028+14.9% |
| Admin fee / account holder | $480 | $5,232-90.8% | $6,412-92.5% | $5,404-91.1% |