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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 | $60,195 | $71,878-16.3% | $86,698-30.6% | $68,486-12.1% |
| Participation rate | 84.0% | 72.2%+11.8pp | 76.6%+7.4pp | 67.9%+16.1pp |
| Annual return | -17.07% | 3.53%-20.6pp | 35.95%-53.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $2,297 | $2,173+5.7% | $2,837-19.0% | $2,597-11.6% |
| Participant deferral / active EE | $4,457 | $3,779+18.0% | $4,656-4.3% | $4,028+10.7% |
| Admin fee / account holder | $5,789 | $6,113-5.3% | $7,493-22.7% | $5,404+7.1% |