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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 | $55,958 | $61,660-9.2% | $80,022-30.1% | $64,173-12.8% |
| Participation rate | 87.3% | 71.7%+15.6pp | 75.8%+11.5pp | 69.6%+17.8pp |
| Annual return | -4.50% | -0.33%-4.2pp | 11.22%-15.7pp | 7.63%-12.1pp |
| Employer contribution / active EE | $1,776 | $1,810-1.9% | $2,468-28.0% | $2,381-25.4% |
| Participant deferral / active EE | $3,919 | $2,968+32.1% | $3,686+6.3% | $3,470+12.9% |
| Admin fee / account holder | $10,158 | $5,417+87.5% | $6,521+55.8% | $4,887+107.8% |