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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 | $48,743 | $58,600-16.8% | $83,327-41.5% | $64,173-24.0% |
| Participation rate | 84.9% | 72.0%+12.8pp | 77.8%+7.1pp | 69.6%+15.3pp |
| Annual return | -3.40% | 9.66%-13.1pp | 10.64%-14.0pp | 7.63%-11.0pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,428 | $4,656+38.1% | $5,565+15.5% | $3,470+85.3% |
| Admin fee / account holder | $8,576 | $9,282-7.6% | $7,540+13.7% | $4,887+75.5% |