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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 | $47,674 | $73,863-35.5% | $143,797-66.8% | $68,490-30.4% |
| Participation rate | 91.4% | 66.7%+24.8pp | 80.3%+11.1pp | 67.9%+23.5pp |
| Annual return | -17.46% | 0.91%-18.4pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $3,541 | $3,185+11.2% | $4,952-28.5% | $2,597+36.3% |
| Participant deferral / active EE | $5,803 | $3,385+71.5% | $5,638+2.9% | $4,028+44.1% |
| Admin fee / account holder | $4,870 | $5,756-15.4% | $14,679-66.8% | $5,403-9.9% |