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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 | $24,452 | $71,873-66.0% | $86,698-71.8% | $68,490-64.3% |
| Participation rate | 80.0% | 72.2%+7.8pp | 76.6%+3.4pp | 67.9%+12.1pp |
| Annual return | -15.92% | 3.54%-19.5pp | 35.96%-51.9pp | -7.85%-8.1pp |
| Employer contribution / active EE | $2,920 | $2,173+34.4% | $2,837+2.9% | $2,597+12.5% |
| Participant deferral / active EE | $8,354 | $3,779+121.0% | $4,656+79.4% | $4,028+107.4% |
| Admin fee / account holder | $583 | $6,110-90.5% | $7,492-92.2% | $5,403-89.2% |