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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 | $36,306 | $77,817-53.3% | $123,553-70.6% | $64,173-43.4% |
| Participation rate | 94.7% | 74.7%+20.0pp | 82.3%+12.4pp | 69.6%+25.2pp |
| Annual return | -4.32% | 12.49%-16.8pp | 119.21%-123.5pp | 7.63%-12.0pp |
| Employer contribution / active EE | $3,138 | $3,014+4.1% | $4,628-32.2% | $2,381+31.8% |
| Participant deferral / active EE | $7,125 | $5,240+36.0% | $6,426+10.9% | $3,470+105.4% |
| Admin fee / account holder | $4,430 | $5,519-19.7% | $9,284-52.3% | $4,887-9.4% |