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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 | $75,805 | $77,817-2.6% | $123,553-38.6% | $64,173+18.1% |
| Participation rate | 96.7% | 74.7%+22.0pp | 82.3%+14.4pp | 69.6%+27.1pp |
| Annual return | -6.13% | 12.49%-18.6pp | 119.21%-125.3pp | 7.63%-13.8pp |
| Employer contribution / active EE | $3,168 | $3,014+5.1% | $4,628-31.5% | $2,381+33.1% |
| Participant deferral / active EE | $5,159 | $5,240-1.5% | $6,426-19.7% | $3,470+48.7% |
| Admin fee / account holder | $2,474 | $5,519-55.2% | $9,284-73.4% | $4,887-49.4% |