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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 | $45,016 | $42,383+6.2% | $76,518-41.2% | $64,173-29.9% |
| Participation rate | 91.3% | 58.1%+33.2pp | 68.0%+23.3pp | 69.6%+21.7pp |
| Annual return | -5.09% | -16.54%+11.4pp | -0.27%-4.8pp | 7.63%-12.7pp |
| Employer contribution / active EE | $3,254 | $1,563+108.1% | $2,647+22.9% | $2,381+36.7% |
| Participant deferral / active EE | $2,997 | $2,566+16.8% | $3,836-21.9% | $3,470-13.6% |
| Admin fee / account holder | $1,859 | $3,198-41.9% | $4,849-61.7% | $4,887-62.0% |