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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 | $74,132 | $58,600+26.5% | $83,327-11.0% | $64,173+15.5% |
| Participation rate | 91.7% | 72.0%+19.6pp | 77.8%+13.9pp | 69.6%+22.1pp |
| Annual return | -4.13% | 9.66%-13.8pp | 10.64%-14.8pp | 7.63%-11.8pp |
| Employer contribution / active EE | $2,241 | $2,098+6.8% | $3,379-33.7% | $2,381-5.9% |
| Participant deferral / active EE | $4,174 | $4,656-10.3% | $5,565-25.0% | $3,470+20.3% |
| Admin fee / account holder | $5,363 | $9,282-42.2% | $7,540-28.9% | $4,887+9.7% |