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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 | $52,208 | $48,267+8.2% | $68,794-24.1% | $68,495-23.8% |
| Participation rate | 96.4% | 60.7%+35.8pp | 69.0%+27.4pp | 67.9%+28.5pp |
| Annual return | -18.65% | -12.70%-6.0pp | -6.37%-12.3pp | -7.84%-10.8pp |
| Employer contribution / active EE | $3,694 | $1,829+101.9% | $2,656+39.1% | $2,596+42.3% |
| Participant deferral / active EE | $5,754 | $2,867+100.7% | $3,941+46.0% | $4,028+42.9% |
| Admin fee / account holder | $3,565 | $4,362-18.3% | $4,934-27.8% | $5,403-34.0% |