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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 | $33,447 | $73,009-54.2% | $90,760-63.1% | $68,486-51.2% |
| Participation rate | 90.3% | 70.8%+19.5pp | 75.7%+14.6pp | 67.9%+22.4pp |
| Annual return | -16.08% | -13.81%-2.3pp | -12.16%-3.9pp | -7.85%-8.2pp |
| Employer contribution / active EE | $2,116 | $2,193-3.5% | $2,922-27.6% | $2,597-18.5% |
| Participant deferral / active EE | $5,903 | $3,626+62.8% | $4,565+29.3% | $4,028+46.6% |
| Admin fee / account holder | $6,798 | $5,896+15.3% | $8,444-19.5% | $5,404+25.8% |