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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 | $68,864 | $50,947+35.2% | $74,551-7.6% | $64,173+7.3% |
| Participation rate | 95.7% | 61.1%+34.6pp | 69.1%+26.5pp | 69.6%+26.1pp |
| Annual return | -7.32% | -1.85%-5.5pp | 32.53%-39.9pp | 7.63%-15.0pp |
| Employer contribution / active EE | $2,347 | $1,115+110.4% | $1,961+19.7% | $2,381-1.4% |
| Participant deferral / active EE | $3,837 | $2,302+66.7% | $3,108+23.4% | $3,470+10.6% |
| Admin fee / account holder | $410 | $4,221-90.3% | $5,059-91.9% | $4,887-91.6% |