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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 | $44,048 | $50,947-13.5% | $74,551-40.9% | $64,173-31.4% |
| Participation rate | 86.7% | 61.1%+25.6pp | 69.1%+17.5pp | 69.6%+17.1pp |
| Annual return | -7.59% | -1.85%-5.7pp | 32.53%-40.1pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,510 | $1,115+35.3% | $1,961-23.0% | $2,381-36.6% |
| Participant deferral / active EE | $2,711 | $2,302+17.8% | $3,108-12.8% | $3,470-21.9% |
| Admin fee / account holder | $461 | $4,221-89.1% | $5,059-90.9% | $4,887-90.6% |