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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 | $74,902 | $62,583+19.7% | $76,767-2.4% | $64,173+16.7% |
| Participation rate | 84.6% | 72.8%+11.8pp | 77.0%+7.7pp | 69.6%+15.0pp |
| Annual return | -5.53% | -1.95%-3.6pp | 2.43%-8.0pp | 7.63%-13.2pp |
| Employer contribution / active EE | $1,597 | $1,832-12.8% | $2,485-35.7% | $2,381-32.9% |
| Participant deferral / active EE | $3,432 | $3,145+9.1% | $3,852-10.9% | $3,470-1.1% |
| Admin fee / account holder | $1,304 | $4,667-72.1% | $6,675-80.5% | $4,887-73.3% |