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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 | $54,207 | $72,388-25.1% | $111,392-51.3% | $64,173-15.5% |
| Participation rate | 88.0% | 70.5%+17.5pp | 78.9%+9.1pp | 69.6%+18.4pp |
| Annual return | -4.58% | -1.50%-3.1pp | -2.06%-2.5pp | 7.63%-12.2pp |
| Employer contribution / active EE | $2,270 | $3,000-24.3% | $4,328-47.6% | $2,381-4.7% |
| Participant deferral / active EE | $7,548 | $4,241+78.0% | $5,567+35.6% | $3,470+117.5% |
| Admin fee / account holder | $774 | $5,719-86.5% | $12,266-93.7% | $4,887-84.2% |