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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 | $62,373 | $73,004-14.6% | $90,752-31.3% | $68,498-8.9% |
| Participation rate | 98.3% | 70.8%+27.4pp | 75.7%+22.6pp | 67.9%+30.4pp |
| Annual return | -16.15% | -13.81%-2.3pp | -12.16%-4.0pp | -7.84%-8.3pp |
| Employer contribution / active EE | $2,376 | $2,193+8.4% | $2,921-18.7% | $2,596-8.5% |
| Participant deferral / active EE | $6,609 | $3,627+82.2% | $4,564+44.8% | $4,027+64.1% |
| Admin fee / account holder | $3,532 | $5,896-40.1% | $8,446-58.2% | $5,403-34.6% |