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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 | $55,889 | $61,660-9.4% | $80,022-30.2% | $64,173-12.9% |
| Participation rate | 89.5% | 71.7%+17.8pp | 75.8%+13.6pp | 69.6%+19.9pp |
| Annual return | -6.07% | -0.33%-5.7pp | 11.22%-17.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $3,947 | $1,810+118.0% | $2,468+59.9% | $2,381+65.8% |
| Participant deferral / active EE | $1,930 | $2,968-35.0% | $3,686-47.6% | $3,470-44.4% |
| Admin fee / account holder | $3,083 | $5,417-43.1% | $6,521-52.7% | $4,887-36.9% |