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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 | $29,146 | $73,009-60.1% | $90,756-67.9% | $68,495-57.4% |
| Participation rate | 86.2% | 70.8%+15.4pp | 75.7%+10.5pp | 67.9%+18.3pp |
| Annual return | -16.87% | -13.81%-3.1pp | -12.16%-4.7pp | -7.84%-9.0pp |
| Employer contribution / active EE | $5,172 | $2,193+135.9% | $2,922+77.0% | $2,596+99.2% |
| Participant deferral / active EE | $3,685 | $3,626+1.6% | $4,565-19.3% | $4,028-8.5% |
| Admin fee / account holder | $2,232 | $5,896-62.1% | $8,445-73.6% | $5,403-58.7% |