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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 | $91,613 | $56,484+62.2% | $169,452-45.9% | $64,173+42.8% |
| Participation rate | 94.6% | 64.5%+30.0pp | 77.8%+16.8pp | 69.6%+25.0pp |
| Annual return | -6.65% | -1.55%-5.1pp | 1.83%-8.5pp | 7.63%-14.3pp |
| Employer contribution / active EE | $5,372 | $1,832+193.2% | $4,157+29.2% | $2,381+125.6% |
| Participant deferral / active EE | $6,334 | $3,448+83.7% | $5,277+20.0% | $3,470+82.6% |
| Admin fee / account holder | $994 | $4,174-76.2% | $9,110-89.1% | $4,887-79.7% |