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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 | $62,717 | $54,726+14.6% | $68,793-8.8% | $64,181-2.3% |
| Participation rate | 78.6% | 68.0%+10.5pp | 72.2%+6.3pp | 69.6%+9.0pp |
| Annual return | -7.13% | -1.62%-5.5pp | -4.63%-2.5pp | 7.63%-14.8pp |
| Employer contribution / active EE | $2,398 | $1,846+29.9% | $2,625-8.7% | $2,381+0.7% |
| Participant deferral / active EE | $3,516 | $2,626+33.9% | $3,311+6.2% | $3,470+1.3% |
| Admin fee / account holder | $3,396 | $4,027-15.7% | $5,131-33.8% | $4,887-30.5% |