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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 | $95,466 | $71,878+32.8% | $86,698+10.1% | $68,486+39.4% |
| Participation rate | 78.9% | 72.2%+6.6pp | 76.6%+2.3pp | 67.9%+11.0pp |
| Annual return | -18.01% | 3.53%-21.5pp | 35.95%-54.0pp | -7.85%-10.2pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,784 | $3,779+53.0% | $4,656+24.2% | $4,028+43.6% |
| Admin fee / account holder | $3,619 | $6,113-40.8% | $7,493-51.7% | $5,404-33.0% |