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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 | $50,567 | $71,873-29.6% | $86,698-41.7% | $68,490-26.2% |
| Participation rate | 82.0% | 72.2%+9.7pp | 76.6%+5.4pp | 67.9%+14.1pp |
| Annual return | -15.09% | 3.54%-18.6pp | 35.96%-51.1pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,223 | $2,173-43.7% | $2,837-56.9% | $2,597-52.9% |
| Participant deferral / active EE | $4,065 | $3,779+7.6% | $4,656-12.7% | $4,028+0.9% |
| Admin fee / account holder | $948 | $6,110-84.5% | $7,492-87.3% | $5,403-82.5% |