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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 | $32,562 | $64,716-49.7% | $112,258-71.0% | $68,495-52.5% |
| Participation rate | 97.6% | 67.2%+30.5pp | 75.1%+22.6pp | 67.9%+29.7pp |
| Annual return | -8.59% | -11.40%+2.8pp | 27.47%-36.1pp | -7.84%-0.8pp |
| Employer contribution / active EE | $2,577 | $2,746-6.2% | $3,636-29.1% | $2,596-0.8% |
| Participant deferral / active EE | $4,863 | $3,565+36.4% | $4,728+2.8% | $4,028+20.7% |
| Admin fee / account holder | $956 | $5,232-81.7% | $6,411-85.1% | $5,403-82.3% |