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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 | $35,087 | $64,719-45.8% | $112,249-68.7% | $68,486-48.8% |
| Participation rate | 96.6% | 67.2%+29.4pp | 75.1%+21.5pp | 67.9%+28.7pp |
| Annual return | -0.63% | -11.40%+10.8pp | 27.48%-28.1pp | -7.85%+7.2pp |
| Employer contribution / active EE | $3,340 | $2,747+21.6% | $3,636-8.2% | $2,597+28.6% |
| Participant deferral / active EE | $6,224 | $3,565+74.6% | $4,729+31.6% | $4,028+54.5% |
| Admin fee / account holder | $1,919 | $5,232-63.3% | $6,412-70.1% | $5,404-64.5% |