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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 | $54,657 | $62,583-12.7% | $76,767-28.8% | $64,173-14.8% |
| Participation rate | 86.0% | 72.8%+13.1pp | 77.0%+9.0pp | 69.6%+16.4pp |
| Annual return | -6.10% | -1.95%-4.2pp | 2.43%-8.5pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,221 | $1,832-33.3% | $2,485-50.9% | $2,381-48.7% |
| Participant deferral / active EE | $2,900 | $3,145-7.8% | $3,852-24.7% | $3,470-16.4% |
| Admin fee / account holder | $4,115 | $4,667-11.8% | $6,675-38.4% | $4,887-15.8% |