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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 | $59,146 | $50,947+16.1% | $74,551-20.7% | $64,173-7.8% |
| Participation rate | 70.4% | 61.1%+9.3pp | 69.1%+1.2pp | 69.6%+0.8pp |
| Annual return | -6.19% | -1.85%-4.3pp | 32.53%-38.7pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,834 | $1,115+64.4% | $1,961-6.5% | $2,381-23.0% |
| Participant deferral / active EE | $3,692 | $2,302+60.4% | $3,108+18.8% | $3,470+6.4% |
| Admin fee / account holder | $4,768 | $4,221+12.9% | $5,059-5.8% | $4,887-2.5% |