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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 | $42,008 | $62,583-32.9% | $76,767-45.3% | $64,173-34.5% |
| Participation rate | 96.2% | 72.8%+23.3pp | 77.0%+19.2pp | 69.6%+26.6pp |
| Annual return | -5.89% | -1.95%-3.9pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,868 | $1,832+1.9% | $2,485-24.9% | $2,381-21.6% |
| Participant deferral / active EE | $3,619 | $3,145+15.1% | $3,852-6.0% | $3,470+4.3% |
| Admin fee / account holder | $545 | $4,667-88.3% | $6,675-91.8% | $4,887-88.9% |