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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 | $100,685 | $61,660+63.3% | $80,022+25.8% | $64,173+56.9% |
| Participation rate | 78.1% | 71.7%+6.4pp | 75.8%+2.3pp | 69.6%+8.6pp |
| Annual return | -7.22% | -0.33%-6.9pp | 11.22%-18.4pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,436 | $1,810-20.7% | $2,468-41.8% | $2,381-39.7% |
| Participant deferral / active EE | $3,390 | $2,968+14.2% | $3,686-8.0% | $3,470-2.3% |
| Admin fee / account holder | $1,121 | $5,417-79.3% | $6,521-82.8% | $4,887-77.1% |