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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 | $58,612 | $59,186-1.0% | $76,768-23.7% | $56,287+4.1% |
| Participation rate | 78.4% | 75.2%+3.2pp | 77.0%+1.4pp | 69.9%+8.5pp |
| Annual return | -5.50% | 6.62%-12.1pp | 2.43%-7.9pp | -9.96%+4.5pp |
| Employer contribution / active EE | $1,765 | $1,759+0.4% | $2,485-29.0% | $2,111-16.4% |
| Participant deferral / active EE | $4,452 | $3,255+36.8% | $3,852+15.6% | $3,350+32.9% |
| Admin fee / account holder | $1,284 | $489+162.5% | $6,675-80.8% | $521+146.4% |