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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 | $25,674 | $62,586-59.0% | $76,766-66.6% | $64,181-60.0% |
| Participation rate | 95.5% | 72.8%+22.6pp | 77.0%+18.5pp | 69.6%+25.9pp |
| Annual return | -7.18% | -1.95%-5.2pp | 2.43%-9.6pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,875 | $1,832+2.3% | $2,485-24.6% | $2,381-21.3% |
| Participant deferral / active EE | $3,597 | $3,145+14.4% | $3,851-6.6% | $3,470+3.7% |
| Admin fee / account holder | $345 | $4,667-92.6% | $6,675-94.8% | $4,887-92.9% |