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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 | $36,600 | $61,660-40.6% | $80,022-54.3% | $64,173-43.0% |
| Participation rate | 86.7% | 71.7%+15.0pp | 75.8%+10.8pp | 69.6%+17.1pp |
| Annual return | -5.89% | -0.33%-5.6pp | 11.22%-17.1pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,619 | $1,810-10.6% | $2,468-34.4% | $2,381-32.0% |
| Participant deferral / active EE | $3,538 | $2,968+19.2% | $3,686-4.0% | $3,470+2.0% |
| Admin fee / account holder | $1,189 | $5,417-78.1% | $6,521-81.8% | $4,887-75.7% |