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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 | $55,881 | $71,878-22.3% | $86,698-35.5% | $68,486-18.4% |
| Participation rate | 86.4% | 72.2%+14.1pp | 76.6%+9.8pp | 67.9%+18.5pp |
| Annual return | -5.42% | 3.53%-8.9pp | 35.95%-41.4pp | -7.85%+2.4pp |
| Employer contribution / active EE | $1,907 | $2,173-12.2% | $2,837-32.8% | $2,597-26.5% |
| Participant deferral / active EE | $3,098 | $3,779-18.0% | $4,656-33.5% | $4,028-23.1% |
| Admin fee / account holder | $11,117 | $6,113+81.9% | $7,493+48.4% | $5,404+105.7% |