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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 | $33,360 | $77,816-57.1% | $123,549-73.0% | $64,181-48.0% |
| Participation rate | 80.8% | 74.7%+6.1pp | 82.3%-1.5pp | 69.6%+11.2pp |
| Annual return | -5.85% | 12.49%-18.3pp | 119.20%-125.0pp | 7.63%-13.5pp |
| Employer contribution / active EE | $2,521 | $3,014-16.3% | $4,628-45.5% | $2,381+5.9% |
| Participant deferral / active EE | $6,001 | $5,240+14.5% | $6,426-6.6% | $3,470+73.0% |
| Admin fee / account holder | $6,595 | $5,519+19.5% | $9,284-29.0% | $4,887+34.9% |