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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 | $52,091 | $52,836-1.4% | $105,736-50.7% | $64,173-18.8% |
| Participation rate | 77.8% | 66.5%+11.2pp | 76.3%+1.4pp | 69.6%+8.2pp |
| Annual return | -5.63% | 14.30%-19.9pp | 6.27%-11.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $2,333 | $1,827+27.7% | $3,268-28.6% | $2,381-2.0% |
| Participant deferral / active EE | $4,519 | $2,545+77.5% | $4,080+10.8% | $3,470+30.3% |
| Admin fee / account holder | $811 | $3,959-79.5% | $6,913-88.3% | $4,887-83.4% |