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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 | $53,565 | $58,600-8.6% | $83,327-35.7% | $64,173-16.5% |
| Participation rate | 98.4% | 72.0%+26.4pp | 77.8%+20.7pp | 69.6%+28.8pp |
| Annual return | -5.97% | 9.66%-15.6pp | 10.64%-16.6pp | 7.63%-13.6pp |
| Employer contribution / active EE | $3,013 | $2,098+43.6% | $3,379-10.8% | $2,381+26.5% |
| Participant deferral / active EE | $7,257 | $4,656+55.9% | $5,565+30.4% | $3,470+109.2% |
| Admin fee / account holder | $4,527 | $9,282-51.2% | $7,540-40.0% | $4,887-7.4% |