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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 | $35,461 | $53,596-33.8% | $90,657-60.9% | $64,173-44.7% |
| Participation rate | 92.6% | 64.5%+28.1pp | 74.0%+18.6pp | 69.6%+23.0pp |
| Annual return | -6.58% | 4.41%-11.0pp | 1.89%-8.5pp | 7.63%-14.2pp |
| Employer contribution / active EE | $3,684 | $1,503+145.1% | $2,532+45.5% | $2,381+54.7% |
| Participant deferral / active EE | $2,160 | $2,459-12.2% | $3,424-36.9% | $3,470-37.8% |
| Admin fee / account holder | $760 | $3,868-80.4% | $4,994-84.8% | $4,887-84.4% |