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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 | $64,277 | $42,383+51.7% | $76,518-16.0% | $64,173+0.2% |
| Participation rate | 95.6% | 58.1%+37.4pp | 68.0%+27.6pp | 69.6%+26.0pp |
| Annual return | -4.12% | -16.54%+12.4pp | -0.27%-3.8pp | 7.63%-11.7pp |
| Employer contribution / active EE | $1,239 | $1,563-20.7% | $2,647-53.2% | $2,381-47.9% |
| Participant deferral / active EE | $2,010 | $2,566-21.7% | $3,836-47.6% | $3,470-42.1% |
| Admin fee / account holder | $2,327 | $3,198-27.2% | $4,849-52.0% | $4,887-52.4% |