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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 | $35,605 | $73,009-51.2% | $90,756-60.8% | $68,495-48.0% |
| Participation rate | 86.7% | 70.8%+15.8pp | 75.7%+11.0pp | 67.9%+18.8pp |
| Annual return | -17.62% | -13.81%-3.8pp | -12.16%-5.5pp | -7.84%-9.8pp |
| Employer contribution / active EE | $2,347 | $2,193+7.1% | $2,922-19.7% | $2,596-9.6% |
| Participant deferral / active EE | $4,250 | $3,626+17.2% | $4,565-6.9% | $4,028+5.5% |
| Admin fee / account holder | $2,406 | $5,896-59.2% | $8,445-71.5% | $5,403-55.5% |