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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 | $28,594 | $71,873-60.2% | $86,698-67.0% | $68,490-58.3% |
| Participation rate | 87.5% | 72.2%+15.3pp | 76.6%+10.9pp | 67.9%+19.6pp |
| Annual return | -14.79% | 3.54%-18.3pp | 35.96%-50.8pp | -7.85%-6.9pp |
| Employer contribution / active EE | $2,149 | $2,173-1.1% | $2,837-24.2% | $2,597-17.2% |
| Participant deferral / active EE | $7,639 | $3,779+102.1% | $4,656+64.1% | $4,028+89.7% |
| Admin fee / account holder | $1,050 | $6,110-82.8% | $7,492-86.0% | $5,403-80.6% |