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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 | $67,665 | $62,583+8.1% | $76,767-11.9% | $64,173+5.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -5.72% | -1.95%-3.8pp | 2.43%-8.1pp | 7.63%-13.4pp |
| Employer contribution / active EE | $3,012 | $1,832+64.4% | $2,485+21.2% | $2,381+26.5% |
| Participant deferral / active EE | $3,631 | $3,145+15.4% | $3,852-5.7% | $3,470+4.6% |
| Admin fee / account holder | $1,444 | $4,667-69.1% | $6,675-78.4% | $4,887-70.5% |