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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 | $38,209 | $69,977-45.4% | $108,582-64.8% | $62,881-39.2% |
| Participation rate | 93.3% | 72.9%+20.4pp | 79.6%+13.8pp | 69.3%+24.0pp |
| Annual return | 5.80% | 10.73%-4.9pp | -51.70%+57.5pp | 20.14%-14.3pp |
| Employer contribution / active EE | $3,852 | $2,135+80.4% | $3,758+2.5% | $2,281+68.9% |
| Participant deferral / active EE | $3,535 | $3,165+11.7% | $4,311-18.0% | $3,203+10.4% |
| Admin fee / account holder | $4,293 | $5,076-15.4% | $7,645-43.8% | $4,296-0.1% |