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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 | $89,449 | $62,583+42.9% | $76,767+16.5% | $64,173+39.4% |
| Participation rate | 83.9% | 72.8%+11.1pp | 77.0%+7.0pp | 69.6%+14.4pp |
| Annual return | -7.08% | -1.95%-5.1pp | 2.43%-9.5pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,129 | $1,832+16.2% | $2,485-14.3% | $2,381-10.6% |
| Participant deferral / active EE | $4,369 | $3,145+38.9% | $3,852+13.4% | $3,470+25.9% |
| Admin fee / account holder | $929 | $4,667-80.1% | $6,675-86.1% | $4,887-81.0% |