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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 | $74,305 | $50,947+45.8% | $74,551-0.3% | $64,173+15.8% |
| Participation rate | 82.3% | 61.1%+21.2pp | 69.1%+13.1pp | 69.6%+12.7pp |
| Annual return | -4.90% | -1.85%-3.0pp | 32.53%-37.4pp | 7.63%-12.5pp |
| Employer contribution / active EE | $2,998 | $1,115+168.8% | $1,961+52.9% | $2,381+25.9% |
| Participant deferral / active EE | $3,768 | $2,302+63.7% | $3,108+21.2% | $3,470+8.6% |
| Admin fee / account holder | $8,909 | $4,221+111.1% | $5,059+76.1% | $4,887+82.3% |