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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 | $57,803 | $71,873-19.6% | $86,698-33.3% | $68,490-15.6% |
| Participation rate | 92.0% | 72.2%+19.8pp | 76.6%+15.5pp | 67.9%+24.1pp |
| Annual return | -18.77% | 3.54%-22.3pp | 35.96%-54.7pp | -7.85%-10.9pp |
| Employer contribution / active EE | $2,207 | $2,173+1.6% | $2,837-22.2% | $2,597-15.0% |
| Participant deferral / active EE | $3,907 | $3,779+3.4% | $4,656-16.1% | $4,028-3.0% |
| Admin fee / account holder | $2,504 | $6,110-59.0% | $7,492-66.6% | $5,403-53.7% |