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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 | $90,806 | $61,660+47.3% | $80,022+13.5% | $64,173+41.5% |
| Participation rate | 90.3% | 71.7%+18.6pp | 75.8%+14.5pp | 69.6%+20.8pp |
| Annual return | -5.33% | -0.33%-5.0pp | 11.22%-16.5pp | 7.63%-13.0pp |
| Employer contribution / active EE | $1,613 | $1,810-10.9% | $2,468-34.6% | $2,381-32.3% |
| Participant deferral / active EE | $0 | $2,968-100.0% | $3,686-100.0% | $3,470-100.0% |
| Admin fee / account holder | $922 | $5,417-83.0% | $6,521-85.9% | $4,887-81.1% |