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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 | $130,251 | $71,873+81.2% | $86,698+50.2% | $68,490+90.2% |
| Participation rate | 92.3% | 72.2%+20.1pp | 76.6%+15.7pp | 67.9%+24.4pp |
| Annual return | -16.50% | 3.54%-20.0pp | 35.96%-52.5pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,730 | $2,173+25.6% | $2,837-3.7% | $2,597+5.2% |
| Participant deferral / active EE | $7,753 | $3,779+105.1% | $4,656+66.5% | $4,028+92.5% |
| Admin fee / account holder | $6,798 | $6,110+11.3% | $7,492-9.3% | $5,403+25.8% |