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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 | $44,551 | $62,583-28.8% | $76,767-42.0% | $64,173-30.6% |
| Participation rate | 86.2% | 72.8%+13.3pp | 77.0%+9.2pp | 69.6%+16.6pp |
| Annual return | -6.16% | -1.95%-4.2pp | 2.43%-8.6pp | 7.63%-13.8pp |
| Employer contribution / active EE | $2,551 | $1,832+39.3% | $2,485+2.7% | $2,381+7.2% |
| Participant deferral / active EE | $3,171 | $3,145+0.8% | $3,852-17.7% | $3,470-8.6% |
| Admin fee / account holder | $1,273 | $4,667-72.7% | $6,675-80.9% | $4,887-74.0% |