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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 | $56,182 | $71,878-21.8% | $86,698-35.2% | $68,486-18.0% |
| Participation rate | 91.4% | 72.2%+19.2pp | 76.6%+14.8pp | 67.9%+23.5pp |
| Annual return | -16.93% | 3.53%-20.5pp | 35.95%-52.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,929 | $2,173-11.3% | $2,837-32.0% | $2,597-25.7% |
| Participant deferral / active EE | $4,609 | $3,779+22.0% | $4,656-1.0% | $4,028+14.4% |
| Admin fee / account holder | $3,072 | $6,113-49.7% | $7,493-59.0% | $5,404-43.1% |