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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 | $74,408 | $71,878+3.5% | $86,698-14.2% | $68,486+8.6% |
| Participation rate | 95.6% | 72.2%+23.3pp | 76.6%+19.0pp | 67.9%+27.7pp |
| Annual return | -17.05% | 3.53%-20.6pp | 35.95%-53.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,781 | $2,173-18.0% | $2,837-37.2% | $2,597-31.4% |
| Participant deferral / active EE | $3,038 | $3,779-19.6% | $4,656-34.8% | $4,028-24.6% |
| Admin fee / account holder | $2,497 | $6,113-59.1% | $7,493-66.7% | $5,404-53.8% |