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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 | $55,683 | $110,083-49.4% | $151,645-63.3% | $68,490-18.7% |
| Participation rate | 73.0% | 84.0%-11.0pp | 87.5%-14.5pp | 67.9%+5.1pp |
| Annual return | -12.83% | -10.12%-2.7pp | 3.34%-16.2pp | -7.85%-5.0pp |
| Employer contribution / active EE | $3,835 | $4,470-14.2% | $6,165-37.8% | $2,597+47.7% |
| Participant deferral / active EE | $4,458 | $6,526-31.7% | $8,363-46.7% | $4,028+10.7% |
| Admin fee / account holder | $885 | $7,718-88.5% | $11,614-92.4% | $5,403-83.6% |