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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 | $64,238 | $59,186+8.5% | $76,768-16.3% | $56,287+14.1% |
| Participation rate | 79.4% | 75.2%+4.2pp | 77.0%+2.5pp | 69.9%+9.6pp |
| Annual return | -4.42% | 6.62%-11.0pp | 2.43%-6.9pp | -9.96%+5.5pp |
| Employer contribution / active EE | $3,468 | $1,759+97.2% | $2,485+39.5% | $2,111+64.3% |
| Participant deferral / active EE | $5,030 | $3,255+54.5% | $3,852+30.6% | $3,350+50.2% |
| Admin fee / account holder | $3,461 | $489+607.7% | $6,675-48.1% | $521+564.4% |