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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 | $62,827 | $61,660+1.9% | $80,022-21.5% | $64,173-2.1% |
| Participation rate | 98.5% | 71.7%+26.8pp | 75.8%+22.7pp | 69.6%+28.9pp |
| Annual return | -7.53% | -0.33%-7.2pp | 11.22%-18.8pp | 7.63%-15.2pp |
| Employer contribution / active EE | $6,155 | $1,810+240.0% | $2,468+149.4% | $2,381+158.5% |
| Participant deferral / active EE | $3,200 | $2,968+7.8% | $3,686-13.2% | $3,470-7.8% |
| Admin fee / account holder | $1,378 | $5,417-74.6% | $6,521-78.9% | $4,887-71.8% |