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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 | $55,597 | $62,583-11.2% | $76,767-27.6% | $64,173-13.4% |
| Participation rate | 90.6% | 72.8%+17.7pp | 77.0%+13.6pp | 69.6%+21.0pp |
| Annual return | -5.11% | -1.95%-3.2pp | 2.43%-7.5pp | 7.63%-12.7pp |
| Employer contribution / active EE | $2,160 | $1,832+17.9% | $2,485-13.1% | $2,381-9.3% |
| Participant deferral / active EE | $4,037 | $3,145+28.4% | $3,852+4.8% | $3,470+16.3% |
| Admin fee / account holder | $2,380 | $4,667-49.0% | $6,675-64.3% | $4,887-51.3% |