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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 | $69,063 | $43,344+59.3% | $59,899+15.3% | $64,173+7.6% |
| Participation rate | 97.0% | 69.2%+27.8pp | 74.7%+22.3pp | 69.6%+27.4pp |
| Annual return | -6.28% | -1.55%-4.7pp | 3.46%-9.7pp | 7.63%-13.9pp |
| Employer contribution / active EE | $5,566 | $2,030+174.2% | $2,723+104.4% | $2,381+133.8% |
| Participant deferral / active EE | $3,944 | $2,547+54.8% | $3,402+15.9% | $3,470+13.7% |
| Admin fee / account holder | $976 | $3,008-67.6% | $3,592-72.8% | $4,887-80.0% |