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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 | $69,334 | $72,177-3.9% | $115,038-39.7% | $59,633+16.3% |
| Participation rate | 76.7% | 72.6%+4.1pp | 81.4%-4.7pp | 68.7%+8.0pp |
| Annual return | -0.70% | 12.02%-12.7pp | 26.14%-26.8pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $4,257 | $2,841+49.8% | $4,608-7.6% | $2,203+93.2% |
| Participant deferral / active EE | $8,881 | $4,783+85.7% | $6,026+47.4% | $3,192+178.3% |
| Admin fee / account holder | $6,781 | $4,927+37.6% | $8,175-17.1% | $4,297+57.8% |