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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 | $56,538 | $110,083-48.6% | $151,628-62.7% | $68,495-17.5% |
| Participation rate | 96.3% | 84.0%+12.3pp | 87.5%+8.8pp | 67.9%+28.4pp |
| Annual return | -10.99% | -10.12%-0.9pp | 3.34%-14.3pp | -7.84%-3.1pp |
| Employer contribution / active EE | $2,928 | $4,470-34.5% | $6,165-52.5% | $2,596+12.8% |
| Participant deferral / active EE | $5,349 | $6,526-18.0% | $8,363-36.0% | $4,028+32.8% |
| Admin fee / account holder | $1,317 | $7,718-82.9% | $11,613-88.7% | $5,403-75.6% |