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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 | $39,128 | $49,280-20.6% | $67,313-41.9% | $64,173-39.0% |
| Participation rate | 82.5% | 60.8%+21.7pp | 69.1%+13.4pp | 69.6%+12.9pp |
| Annual return | -6.81% | -1.39%-5.4pp | -4.08%-2.7pp | 7.63%-14.4pp |
| Employer contribution / active EE | $4,453 | $1,668+166.9% | $2,566+73.5% | $2,381+87.0% |
| Participant deferral / active EE | $7,244 | $2,484+191.6% | $3,568+103.0% | $3,470+108.8% |
| Admin fee / account holder | $692 | $3,863-82.1% | $4,507-84.6% | $4,887-85.8% |