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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 | $86,134 | $69,977+23.1% | $108,582-20.7% | $62,881+37.0% |
| Participation rate | 84.8% | 72.9%+12.0pp | 79.6%+5.3pp | 69.3%+15.5pp |
| Annual return | 6.78% | 10.73%-3.9pp | -51.70%+58.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,774 | $2,135+29.9% | $3,758-26.2% | $2,281+21.6% |
| Participant deferral / active EE | $5,747 | $3,165+81.6% | $4,311+33.3% | $3,203+79.4% |
| Admin fee / account holder | $423 | $5,076-91.7% | $7,645-94.5% | $4,296-90.1% |