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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 | $71,287 | $69,977+1.9% | $108,582-34.3% | $62,881+13.4% |
| Participation rate | 88.0% | 72.9%+15.1pp | 79.6%+8.4pp | 69.3%+18.7pp |
| Annual return | 6.71% | 10.73%-4.0pp | -51.70%+58.4pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,623 | $2,135+22.9% | $3,758-30.2% | $2,281+15.0% |
| Participant deferral / active EE | $4,723 | $3,165+49.2% | $4,311+9.6% | $3,203+47.5% |
| Admin fee / account holder | $4,508 | $5,076-11.2% | $7,645-41.0% | $4,296+4.9% |