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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 | $42,819 | $64,729-33.8% | $112,263-61.9% | $68,490-37.5% |
| Participation rate | 91.8% | 67.2%+24.7pp | 75.1%+16.8pp | 67.9%+23.9pp |
| Annual return | -3.38% | -11.40%+8.0pp | 27.49%-30.9pp | -7.85%+4.5pp |
| Employer contribution / active EE | $4,285 | $2,746+56.1% | $3,636+17.8% | $2,597+65.0% |
| Participant deferral / active EE | $2,799 | $3,566-21.5% | $4,729-40.8% | $4,028-30.5% |
| Admin fee / account holder | $717 | $5,222-86.3% | $6,410-88.8% | $5,403-86.7% |