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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 | $48,918 | $110,083-55.6% | $151,639-67.7% | $68,486-28.6% |
| Participation rate | 96.7% | 84.0%+12.7pp | 87.5%+9.2pp | 67.9%+28.8pp |
| Annual return | -15.93% | -10.12%-5.8pp | 3.34%-19.3pp | -7.85%-8.1pp |
| Employer contribution / active EE | $3,081 | $4,470-31.1% | $6,165-50.0% | $2,597+18.6% |
| Participant deferral / active EE | $4,897 | $6,526-25.0% | $8,363-41.4% | $4,028+21.6% |
| Admin fee / account holder | $2,094 | $7,718-72.9% | $11,613-82.0% | $5,404-61.2% |