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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 | $63,005 | $71,873-12.3% | $86,698-27.3% | $68,490-8.0% |
| Participation rate | 92.3% | 72.2%+20.1pp | 76.6%+15.7pp | 67.9%+24.4pp |
| Annual return | -16.81% | 3.54%-20.3pp | 35.96%-52.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $2,911 | $2,173+33.9% | $2,837+2.6% | $2,597+12.1% |
| Participant deferral / active EE | $2,325 | $3,779-38.5% | $4,656-50.1% | $4,028-42.3% |
| Admin fee / account holder | $363 | $6,110-94.1% | $7,492-95.2% | $5,403-93.3% |