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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 | $92,339 | $71,873+28.5% | $86,698+6.5% | $68,490+34.8% |
| Participation rate | 97.3% | 72.2%+25.0pp | 76.6%+20.7pp | 67.9%+29.4pp |
| Annual return | -8.34% | 3.54%-11.9pp | 35.96%-44.3pp | -7.85%-0.5pp |
| Employer contribution / active EE | $2,648 | $2,173+21.9% | $2,837-6.6% | $2,597+2.0% |
| Participant deferral / active EE | $7,063 | $3,779+86.9% | $4,656+51.7% | $4,028+75.4% |
| Admin fee / account holder | $1,193 | $6,110-80.5% | $7,492-84.1% | $5,403-77.9% |