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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 | $83,074 | $71,878+15.6% | $86,698-4.2% | $68,486+21.3% |
| Participation rate | 77.8% | 72.2%+5.5pp | 76.6%+1.2pp | 67.9%+9.9pp |
| Annual return | -16.94% | 3.53%-20.5pp | 35.95%-52.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $2,971 | $2,173+36.7% | $2,837+4.7% | $2,597+14.4% |
| Participant deferral / active EE | $7,513 | $3,779+98.8% | $4,656+61.4% | $4,028+86.5% |
| Admin fee / account holder | $14,020 | $6,113+129.4% | $7,493+87.1% | $5,404+159.4% |