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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 | $26,391 | $56,339-53.2% | $104,301-74.7% | $68,486-61.5% |
| Participation rate | 92.1% | 63.3%+28.8pp | 73.3%+18.8pp | 67.9%+24.2pp |
| Annual return | -18.89% | -9.19%-9.7pp | 24.61%-43.5pp | -7.85%-11.0pp |
| Employer contribution / active EE | $3,073 | $1,960+56.8% | $3,373-8.9% | $2,597+18.3% |
| Participant deferral / active EE | $5,345 | $3,077+73.7% | $4,626+15.6% | $4,028+32.7% |
| Admin fee / account holder | $352 | $4,902-92.8% | $7,340-95.2% | $5,404-93.5% |