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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 | $70,009 | $49,280+42.1% | $67,313+4.0% | $64,173+9.1% |
| Participation rate | 76.4% | 60.8%+15.6pp | 69.1%+7.3pp | 69.6%+6.8pp |
| Annual return | -5.75% | -1.39%-4.4pp | -4.08%-1.7pp | 7.63%-13.4pp |
| Employer contribution / active EE | $3,082 | $1,668+84.7% | $2,566+20.1% | $2,381+29.4% |
| Participant deferral / active EE | $5,311 | $2,484+113.8% | $3,568+48.9% | $3,470+53.1% |
| Admin fee / account holder | $2,007 | $3,863-48.0% | $4,507-55.5% | $4,887-58.9% |