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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 | $95,218 | $53,596+77.7% | $90,657+5.0% | $64,173+48.4% |
| Participation rate | 88.4% | 64.5%+23.9pp | 74.0%+14.3pp | 69.6%+18.8pp |
| Annual return | -3.05% | 4.41%-7.5pp | 1.89%-4.9pp | 7.63%-10.7pp |
| Employer contribution / active EE | $5,150 | $1,503+242.6% | $2,532+103.4% | $2,381+116.3% |
| Participant deferral / active EE | $5,039 | $2,459+105.0% | $3,424+47.2% | $3,470+45.2% |
| Admin fee / account holder | $799 | $3,868-79.3% | $4,994-84.0% | $4,887-83.6% |