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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 | $30,248 | $50,947-40.6% | $74,549-59.4% | $64,173-52.9% |
| Participation rate | 86.7% | 61.1%+25.6pp | 69.1%+17.5pp | 69.6%+17.1pp |
| Annual return | -5.67% | -1.85%-3.8pp | 32.53%-38.2pp | 7.63%-13.3pp |
| Employer contribution / active EE | $3,376 | $1,115+202.6% | $1,961+72.1% | $2,381+41.8% |
| Participant deferral / active EE | $5,139 | $2,302+123.3% | $3,108+65.3% | $3,470+48.1% |
| Admin fee / account holder | $3,727 | $4,221-11.7% | $5,059-26.3% | $4,887-23.7% |