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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 | $48,399 | $62,583-22.7% | $76,767-37.0% | $64,173-24.6% |
| Participation rate | 79.2% | 72.8%+6.4pp | 77.0%+2.3pp | 69.6%+9.7pp |
| Annual return | -6.78% | -1.95%-4.8pp | 2.43%-9.2pp | 7.63%-14.4pp |
| Employer contribution / active EE | $3,475 | $1,832+89.7% | $2,485+39.8% | $2,381+46.0% |
| Participant deferral / active EE | $2,481 | $3,145-21.1% | $3,852-35.6% | $3,470-28.5% |
| Admin fee / account holder | $2,980 | $4,667-36.1% | $6,675-55.4% | $4,887-39.0% |