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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 | $75,896 | $64,716+17.3% | $112,258-32.4% | $68,495+10.8% |
| Participation rate | 72.0% | 67.2%+4.9pp | 75.1%-3.0pp | 67.9%+4.2pp |
| Annual return | -9.28% | -11.40%+2.1pp | 27.47%-36.7pp | -7.84%-1.4pp |
| Employer contribution / active EE | $1,708 | $2,746-37.8% | $3,636-53.0% | $2,596-34.2% |
| Participant deferral / active EE | $7,786 | $3,565+118.4% | $4,728+64.7% | $4,028+93.3% |
| Admin fee / account holder | $6,942 | $5,232+32.7% | $6,411+8.3% | $5,403+28.5% |