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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 | $53,982 | $62,589-13.8% | $76,768-29.7% | $64,173-15.9% |
| Participation rate | 88.0% | 72.8%+15.2pp | 77.0%+11.0pp | 69.6%+18.4pp |
| Annual return | -4.93% | -1.95%-3.0pp | 2.43%-7.4pp | 7.63%-12.6pp |
| Employer contribution / active EE | $2,432 | $1,832+32.7% | $2,485-2.1% | $2,381+2.2% |
| Participant deferral / active EE | $3,853 | $3,145+22.5% | $3,8520% | $3,470+11.0% |
| Admin fee / account holder | $669 | $4,667-85.7% | $6,675-90.0% | $4,887-86.3% |