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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 | $38,898 | $49,280-21.1% | $67,313-42.2% | $64,173-39.4% |
| Participation rate | 73.9% | 60.8%+13.1pp | 69.1%+4.8pp | 69.6%+4.3pp |
| Annual return | -5.40% | -1.39%-4.0pp | -4.08%-1.3pp | 7.63%-13.0pp |
| Employer contribution / active EE | $1,245 | $1,668-25.4% | $2,566-51.5% | $2,381-47.7% |
| Participant deferral / active EE | $3,949 | $2,484+59.0% | $3,568+10.7% | $3,470+13.8% |
| Admin fee / account holder | $7,674 | $3,863+98.7% | $4,507+70.3% | $4,887+57.0% |