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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 | $72,562 | $58,577+23.9% | $83,323-12.9% | $64,181+13.1% |
| Participation rate | 94.3% | 72.0%+22.3pp | 77.8%+16.5pp | 69.6%+24.7pp |
| Annual return | -5.43% | 9.65%-15.1pp | 10.63%-16.1pp | 7.63%-13.1pp |
| Employer contribution / active EE | $2,971 | $2,098+41.6% | $3,379-12.1% | $2,381+24.8% |
| Participant deferral / active EE | $6,950 | $4,654+49.3% | $5,565+24.9% | $3,470+100.3% |
| Admin fee / account holder | $632 | $9,275-93.2% | $7,539-91.6% | $4,887-87.1% |