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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 | $44,661 | $62,583-28.6% | $76,767-41.8% | $64,173-30.4% |
| Participation rate | 95.1% | 72.8%+22.2pp | 77.0%+18.1pp | 69.6%+25.5pp |
| Annual return | -5.51% | -1.95%-3.6pp | 2.43%-7.9pp | 7.63%-13.1pp |
| Employer contribution / active EE | $2,552 | $1,832+39.3% | $2,485+2.7% | $2,381+7.2% |
| Participant deferral / active EE | $4,927 | $3,145+56.7% | $3,852+27.9% | $3,470+42.0% |
| Admin fee / account holder | $1,418 | $4,667-69.6% | $6,675-78.8% | $4,887-71.0% |