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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 | $88,597 | $61,660+43.7% | $80,022+10.7% | $64,173+38.1% |
| Participation rate | 76.9% | 71.7%+5.2pp | 75.8%+1.1pp | 69.6%+7.4pp |
| Annual return | -5.62% | -0.33%-5.3pp | 11.22%-16.8pp | 7.63%-13.3pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,939 | $2,968+32.7% | $3,686+6.9% | $3,470+13.5% |
| Admin fee / account holder | $1,944 | $5,417-64.1% | $6,521-70.2% | $4,887-60.2% |