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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 | $34,159 | $127,387-73.2% | $115,038-70.3% | $125,389-72.8% |
| Participation rate | 86.7% | 84.2%+2.5pp | 81.4%+5.3pp | 83.2%+3.5pp |
| Annual return | -1.88% | 31.28%-33.2pp | 26.14%-28.0pp | 282.24%-284.1pp |
| Employer contribution / active EE | $1,531 | $5,166-70.4% | $4,608-66.8% | $4,866-68.5% |
| Participant deferral / active EE | $2,777 | $6,423-56.8% | $6,026-53.9% | $5,352-48.1% |
| Admin fee / account holder | $1,094 | $9,516-88.5% | $8,175-86.6% | $9,541-88.5% |