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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 | $69,978 | $62,586+11.8% | $76,766-8.8% | $64,181+9.0% |
| Participation rate | 96.0% | 72.8%+23.2pp | 77.0%+19.0pp | 69.6%+26.4pp |
| Annual return | -5.47% | -1.95%-3.5pp | 2.43%-7.9pp | 7.63%-13.1pp |
| Employer contribution / active EE | $11,202 | $1,832+511.5% | $2,485+350.8% | $2,381+370.5% |
| Participant deferral / active EE | $2,201 | $3,145-30.0% | $3,851-42.8% | $3,470-36.6% |
| Admin fee / account holder | $6,258 | $4,667+34.1% | $6,675-6.2% | $4,887+28.0% |