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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 | $29,664 | $71,873-58.7% | $86,698-65.8% | $68,490-56.7% |
| Participation rate | 93.8% | 72.2%+21.5pp | 76.6%+17.2pp | 67.9%+25.9pp |
| Annual return | -17.70% | 3.54%-21.2pp | 35.96%-53.7pp | -7.85%-9.8pp |
| Employer contribution / active EE | $2,761 | $2,173+27.0% | $2,837-2.7% | $2,597+6.3% |
| Participant deferral / active EE | $5,167 | $3,779+36.7% | $4,656+11.0% | $4,028+28.3% |
| Admin fee / account holder | $513 | $6,110-91.6% | $7,492-93.2% | $5,403-90.5% |