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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 | $46,602 | $77,817-40.1% | $123,553-62.3% | $64,173-27.4% |
| Participation rate | 98.0% | 74.7%+23.3pp | 82.3%+15.7pp | 69.6%+28.4pp |
| Annual return | -0.71% | 12.49%-13.2pp | 119.21%-119.9pp | 7.63%-8.3pp |
| Employer contribution / active EE | $2,459 | $3,014-18.4% | $4,628-46.9% | $2,381+3.3% |
| Participant deferral / active EE | $5,217 | $5,240-0.4% | $6,426-18.8% | $3,470+50.4% |
| Admin fee / account holder | $6,566 | $5,519+19.0% | $9,284-29.3% | $4,887+34.4% |