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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 | $26,619 | $62,589-57.5% | $76,768-65.3% | $64,173-58.5% |
| Participation rate | 93.5% | 72.8%+20.7pp | 77.0%+16.5pp | 69.6%+23.9pp |
| Annual return | -5.29% | -1.95%-3.3pp | 2.43%-7.7pp | 7.63%-12.9pp |
| Employer contribution / active EE | $3,122 | $1,832+70.4% | $2,485+25.6% | $2,381+31.1% |
| Participant deferral / active EE | $3,599 | $3,145+14.4% | $3,852-6.6% | $3,470+3.7% |
| Admin fee / account holder | $1,046 | $4,667-77.6% | $6,675-84.3% | $4,887-78.6% |