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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 | $64,992 | $58,587+10.9% | $83,322-22.0% | $64,173+1.3% |
| Participation rate | 88.4% | 72.0%+16.3pp | 77.8%+10.6pp | 69.6%+18.8pp |
| Annual return | -6.60% | 9.65%-16.2pp | 10.64%-17.2pp | 7.63%-14.2pp |
| Employer contribution / active EE | $8,896 | $2,098+323.9% | $3,379+163.3% | $2,381+273.6% |
| Participant deferral / active EE | $7,698 | $4,654+65.4% | $5,565+38.3% | $3,470+121.9% |
| Admin fee / account holder | $2,002 | $9,279-78.4% | $7,540-73.5% | $4,887-59.0% |