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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 | $69,783 | $64,729+7.8% | $112,263-37.8% | $68,490+1.9% |
| Participation rate | 78.9% | 67.2%+11.8pp | 75.1%+3.9pp | 67.9%+11.1pp |
| Annual return | -15.85% | -11.40%-4.5pp | 27.49%-43.3pp | -7.85%-8.0pp |
| Employer contribution / active EE | $3,747 | $2,746+36.5% | $3,636+3.1% | $2,597+44.3% |
| Participant deferral / active EE | $5,455 | $3,566+53.0% | $4,729+15.4% | $4,028+35.4% |
| Admin fee / account holder | $4,041 | $5,222-22.6% | $6,410-37.0% | $5,403-25.2% |