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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 | $51,860 | $61,660-15.9% | $80,022-35.2% | $64,181-19.2% |
| Participation rate | 95.6% | 71.7%+23.9pp | 75.8%+19.7pp | 69.6%+26.0pp |
| Annual return | -6.12% | -0.33%-5.8pp | 11.22%-17.3pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,819 | $1,810+0.5% | $2,468-26.3% | $2,381-23.6% |
| Participant deferral / active EE | $4,835 | $2,968+62.9% | $3,686+31.2% | $3,470+39.3% |
| Admin fee / account holder | $837 | $5,417-84.5% | $6,521-87.2% | $4,887-82.9% |