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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 | $42,756 | $62,583-31.7% | $76,767-44.3% | $64,173-33.4% |
| Participation rate | 96.8% | 72.8%+24.0pp | 77.0%+19.8pp | 69.6%+27.2pp |
| Annual return | -3.90% | -1.95%-2.0pp | 2.43%-6.3pp | 7.63%-11.5pp |
| Employer contribution / active EE | $3,584 | $1,832+95.6% | $2,485+44.2% | $2,381+50.6% |
| Participant deferral / active EE | $4,251 | $3,145+35.2% | $3,852+10.4% | $3,470+22.5% |
| Admin fee / account holder | $1,119 | $4,667-76.0% | $6,675-83.2% | $4,887-77.1% |