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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 | $55,098 | $71,873-23.3% | $86,698-36.4% | $68,490-19.6% |
| Participation rate | 71.8% | 72.2%-0.4pp | 76.6%-4.8pp | 67.9%+3.9pp |
| Annual return | -14.95% | 3.54%-18.5pp | 35.96%-50.9pp | -7.85%-7.1pp |
| Employer contribution / active EE | $1,902 | $2,173-12.5% | $2,837-33.0% | $2,597-26.8% |
| Participant deferral / active EE | $3,069 | $3,779-18.8% | $4,656-34.1% | $4,028-23.8% |
| Admin fee / account holder | $846 | $6,110-86.2% | $7,492-88.7% | $5,403-84.3% |