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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 | $36,121 | $73,009-50.5% | $90,760-60.2% | $68,486-47.3% |
| Participation rate | 92.9% | 70.8%+22.0pp | 75.7%+17.2pp | 67.9%+25.0pp |
| Annual return | -17.89% | -13.81%-4.1pp | -12.16%-5.7pp | -7.85%-10.0pp |
| Employer contribution / active EE | $4,609 | $2,193+110.2% | $2,922+57.8% | $2,597+77.5% |
| Participant deferral / active EE | $7,398 | $3,626+104.0% | $4,565+62.1% | $4,028+83.7% |
| Admin fee / account holder | $449 | $5,896-92.4% | $8,444-94.7% | $5,404-91.7% |