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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 | $58,080 | $71,873-19.2% | $86,698-33.0% | $68,490-15.2% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -14.08% | 3.54%-17.6pp | 35.96%-50.0pp | -7.85%-6.2pp |
| Employer contribution / active EE | $2,325 | $2,173+7.0% | $2,837-18.0% | $2,597-10.5% |
| Participant deferral / active EE | $5,306 | $3,779+40.4% | $4,656+13.9% | $4,028+31.7% |
| Admin fee / account holder | $7,629 | $6,110+24.9% | $7,492+1.8% | $5,403+41.2% |