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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 | $93,704 | $64,729+44.8% | $112,263-16.5% | $68,490+36.8% |
| Participation rate | 78.9% | 67.2%+11.8pp | 75.1%+3.9pp | 67.9%+11.1pp |
| Annual return | -14.65% | -11.40%-3.2pp | 27.49%-42.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,689 | $2,746-38.5% | $3,636-53.6% | $2,597-35.0% |
| Participant deferral / active EE | $5,240 | $3,566+46.9% | $4,729+10.8% | $4,028+30.1% |
| Admin fee / account holder | $7,688 | $5,222+47.2% | $6,410+19.9% | $5,403+42.3% |