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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 | $44,042 | $62,589-29.6% | $76,768-42.6% | $64,173-31.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -5.92% | -1.95%-4.0pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,895 | $1,832+3.4% | $2,485-23.8% | $2,381-20.4% |
| Participant deferral / active EE | $3,977 | $3,145+26.5% | $3,852+3.3% | $3,470+14.6% |
| Admin fee / account holder | $864 | $4,667-81.5% | $6,675-87.1% | $4,887-82.3% |