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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 | $108,532 | $62,583+73.4% | $76,767+41.4% | $64,173+69.1% |
| Participation rate | 88.1% | 72.8%+15.3pp | 77.0%+11.2pp | 69.6%+18.6pp |
| Annual return | -5.32% | -1.95%-3.4pp | 2.43%-7.7pp | 7.63%-13.0pp |
| Employer contribution / active EE | $1,446 | $1,832-21.1% | $2,485-41.8% | $2,381-39.3% |
| Participant deferral / active EE | $7,029 | $3,145+123.5% | $3,852+82.5% | $3,470+102.6% |
| Admin fee / account holder | $1,899 | $4,667-59.3% | $6,675-71.5% | $4,887-61.1% |