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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 | $81,139 | $62,589+29.6% | $76,768+5.7% | $64,173+26.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -3.21% | -1.95%-1.3pp | 2.43%-5.6pp | 7.63%-10.8pp |
| Employer contribution / active EE | $2,750 | $1,832+50.1% | $2,485+10.6% | $2,381+15.5% |
| Participant deferral / active EE | $6,715 | $3,145+113.5% | $3,852+74.4% | $3,470+93.5% |
| Admin fee / account holder | $1,639 | $4,667-64.9% | $6,675-75.4% | $4,887-66.5% |