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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 | $40,322 | $61,660-34.6% | $80,022-49.6% | $64,173-37.2% |
| Participation rate | 81.0% | 71.7%+9.3pp | 75.8%+5.1pp | 69.6%+11.4pp |
| Annual return | -7.57% | -0.33%-7.2pp | 11.22%-18.8pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,850 | $1,810+2.2% | $2,468-25.1% | $2,381-22.3% |
| Participant deferral / active EE | $4,264 | $2,968+43.7% | $3,686+15.7% | $3,470+22.9% |
| Admin fee / account holder | $1,281 | $5,417-76.3% | $6,521-80.4% | $4,887-73.8% |