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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 | $79,250 | $50,947+55.6% | $74,551+6.3% | $64,173+23.5% |
| Participation rate | 96.7% | 61.1%+35.6pp | 69.1%+27.5pp | 69.6%+27.1pp |
| Annual return | -6.02% | -1.85%-4.2pp | 32.53%-38.6pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,004 | $1,115-10.0% | $1,961-48.8% | $2,381-57.8% |
| Participant deferral / active EE | $4,135 | $2,302+79.7% | $3,108+33.0% | $3,470+19.2% |
| Admin fee / account holder | $6,509 | $4,221+54.2% | $5,059+28.7% | $4,887+33.2% |