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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 | $68,938 | $67,411+2.3% | $91,004-24.2% | $70,126-1.7% |
| Participation rate | 75.3% | 71.4%+3.9pp | 75.6%-0.3pp | 69.5%+5.7pp |
| Annual return | 12.69% | -40.16%+52.9pp | 4.60%+8.1pp | 73.15%-60.5pp |
| Employer contribution / active EE | $2,212 | $1,786+23.9% | $2,456-9.9% | $2,343-5.6% |
| Participant deferral / active EE | $7,030 | $2,823+149.0% | $3,548+98.2% | $3,332+111.0% |
| Admin fee / account holder | $1,989 | $4,236-53.0% | $5,417-63.3% | $4,645-57.2% |