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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 | $43,620 | $49,280-11.5% | $67,313-35.2% | $64,173-32.0% |
| Participation rate | 87.5% | 60.8%+26.7pp | 69.1%+18.4pp | 69.6%+17.9pp |
| Annual return | -6.70% | -1.39%-5.3pp | -4.08%-2.6pp | 7.63%-14.3pp |
| Employer contribution / active EE | $2,363 | $1,668+41.6% | $2,566-7.9% | $2,381-0.8% |
| Participant deferral / active EE | $4,197 | $2,484+69.0% | $3,568+17.6% | $3,470+21.0% |
| Admin fee / account holder | $9,509 | $3,863+146.2% | $4,507+111.0% | $4,887+94.6% |